Dental and Supplemental Insurance

Not only is dental insurance a valued employee benefit, but it is also available to Self-Employed individuals as well as individuals and families that are not offered benefits through their employer. Balanced Care offers plans that address group benefits that can be paid 100% by the business or voluntary benefit programs that are paid for by the employee.

Balanced Care also knows the importance of both good dental hygiene and eye care for both adults and children.  Children with vision problems can and will experience great difficulty in school, especially in reading.    Poor dental hygiene can also lead to diseases such as heart attack and stroke.  It is this reason that Balanced Care found insurance companies that not only take care of dental needs, but vision as well.   Balanced Care has plans that will cover basic and preventative care to comprehensive plans that cover crowns, orthodontics, and root canals.

Supplemental Insurance

What is supplemental insurance?  Supplemental Insurance is a policy that works in addition to other insurance plans you may have.  You can use the policy on its own or use it to fill a gap left by other coverage such as a high deductible.  Supplemental Insurance plans can be purchased through your employer or purchased individually.  Many employers offer voluntary supplemental benefits to their employees as a way of offering benefits without adding additional cost.

Voluntary Supplemental Benefits serve the life and health insurance needs of the American worker from the lunchroom to the boardroom.  These products enable us to satisfy the needs of employees in a way that is convenient and economical for both the employee and employer.  Similar to insurance purchased through traditional methods, insurance purchased through the workplace is typically individually owned and portable.  In addition, it is easier to apply for with either no or limited medical questions to answer.  Voluntary benefits such as accident and cancer plans help to fill in the gap of higher deductibles in health insurance  plans with benefits paid directly to the policyholder.

Most Supplemental health care products qualify for Section 125, under the Internal Revenue Code, which means that premiums can be paid pre-tax.

Balanced Care offers a broad portfolio of voluntary benefits including:

  • Accident
  • Universal Life
  • Term Life
  • Cancer
  • Critical Illness
  • Disability
  • Hospital Indemnity

An accident, disability, or illness can wreak havoc on your savings if you’re not prepared.  Supplemental Plans help to give you a cushion to help cover medical expenses, living expenses, and travel expenses when things happen unexpectedly.  These plans can pay you a lump sum benefit when something happens and you are able to use the benefit the way you wish to help you and your family concentrate on your health and not on finances.

You have worked hard all your life.  Day to day life is complicated enough all on its own.  So when you are facing the extra stress of an illness, you’ll be better off when your financial worries are kept to a minimum.   Supplemental Plans are the answer and Balanced Care looks forward to providing the extra coverage when you need it the most. Just give us a call at 603-817-3949.

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