Individual & Family Services
For more information contact a Benefit Specialist at our office to assist you in choosing the right plan for you.
One out of two persons will incur a medical expense of $5,000 or more in a year. Health Care is an area on everyone's mind today. The two biggest areas of concern are coverage and cost. We can help you find coverage that meets your needs and fits your budget. We have access to a comprehensive market of carriers and plans.
Our smile and oral health care are vital to our well-being. Be it you, your spouse, or your children, dental care is an excellent way to protect your family’s wellbeing. Dental plans provide free comprehensive cleaning twice a year, coverage for major and minor care like fillings, extractions, root canals, or oral surgery, and orthodontics for children. Let our company help you pick a plan that is beneficial to your needs.
Annual Eye Exams do more than check your vision. Optometrists can detect glaucoma, diabetes, and many other health conditions from your exam. We offer plans that have Eye Exams and Lenses with low one-time copays. These same plans also have high allowances available for Frames and Contact Lenses. Let us know what you need, and we will find the right vision plan for you and your family.
Becoming disabled is an unfortunate hazard in life. The incidents of disability occur three times more frequently prior to retirement than premature death. On average, disability lasts around five years and can destroy the financial plans of the unprepared. While Social Security can provide some relief in the event of a disability, these benefits are usually subsistence levels and hard to qualify for with a one-year wait. The risks associated with disability can be compensated against. The most valuable asset an individual possesses is the ability to earn an income, which is why it needs to be protected.
Sometimes we just don't have the time or the ability to stop and get to a doctor. This is where Telemedicine comes in. With one click on an app, you can be connected with a doctor to help with all of your minor illnesses or injuries 24/7, 365. Some of the most common uses of Telemedicine include earaches, cough, cold, flu, pink eye, rash, stomachaches, sinus problems, etc.
No one likes to think about getting cancer, but in the U.S., men have a slightly less than 1 in 21-lifetime risk of developing cancer; for women, the risk is a little more than 1 in 3. Cancer may not be preventable, but you can protect yourself from some of the costs associated with cancer. Cancer and Specified Disease insurance can help you manage the high expenses of treatment, preserve savings, protect your family from financial hardship, and help you concentrate on getting well.
Critical Illness Protection
Events like a heart attack, stroke, or organ transplant can destroy your family’s well-being. Today, advancements in medical technology can mean an increase in the chance of surviving a critical illness or living with a critical illness for months, perhaps even years. This benefit can be used to help meet expenses that are not normally covered under traditional health insurance. This means you and your family can concentrate on getting well without worrying about having enough money to cover bills.
It's impossible to forecast an accident. But as all families know, an unexpected accident can throw your finances into a tailspin. When an accident occurs, ambulance transportation, diagnostic exams, surgery and follow-up doctor's visits leave you to pay insurance deductibles, co-pays, out-of-pocket max, and a loss of income. Accident insurance can help cover these expenses.
We have a vast market of products and carriers to meet your needs. This means that we will not force-fit you into one company or product. We first start off by determining your needs and wants through a comprehensive needs analysis. Then we shop out your tailored plan through our extensive brokerage market. We have markets for all forms of life insurance (Whole Life, Term, Mortgage, Universal, and Modified Life Policies). Lastly, we review and update your plan annually as your needs change.
Long-term care is a type of insurance to help alleviate some of the costs if you become unable to care for yourself due to an extended illness or disability. These financial obligations could be very costly to you or your family members. Let our company assist you in finding the right long-term care plan for you.
International Travel Medical
International medical insurance protects your health while you are traveling either domestically or internationally. There are various types of plans that could be beneficial to you and your family while traveling. Most plans have options to offer both emergency and non-emergency coverage along with evacuation coverage depending on the length of your stay and where you would need coverage at.
When you first enroll in Medicare and during certain times of the year, you can choose how you get your Medicare coverage. There are 2 main ways to get Medicare: Original Medicare (Part A and Part B) or a Medicare Advantage Plan (Part C). Some people choose to get additional coverage, like Medicare drug coverage (Part D) or Medicare Supplement Insurance (Medigap). BMB helps you navigate through these difficult options and choose which is right for you and your needs.