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Health and Employee Welfare

Services provided by our independently licensed life, accident & health agents and not directly through Strategic Insurance Consultants, LLC.

Medical

Medical or health insurance provides coverage for medical and surgical expenses incurred by the insured. Medical insurance is designed to help individuals and families pay for the cost of healthcare, including preventative care, routine medical visits, and treatment for illnesses and injuries.

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Medical insurance policies typically include several types of coverage, including:

  1. Inpatient care: This provides coverage for hospital stays and other medical care that requires an overnight stay.

  2. Outpatient care: This provides coverage for medical care that does not require an overnight stay, such as doctor's visits, diagnostic tests, and minor surgeries.

  3. Prescription drugs: This provides coverage for prescription medications that are prescribed by a doctor.

  4. Preventative care: This provides coverage for routine medical services, such as vaccinations, cancer screenings, and wellness exams.

  5. Emergency care: This provides coverage for medical care that is necessary for a sudden illness or injury that requires immediate attention.

 

The cost of medical insurance can vary depending on a variety of factors, including the level of coverage needed, the age and health status of the insured, and the location of the insured.

 

It's important for individuals to carefully review their medical insurance policy and understand what is covered and excluded, as well as any limits on coverage, co-pays, deductibles and out-out pocket maximums that may apply. Individuals should also choose a medical insurance policy that meets their healthcare needs and budget.

Medical

Dental

Dental insurance is designed to help individuals and families pay for the cost of dental care, including preventative care, routine dental visits, and treatment for dental problems.

 

Dental insurance policies typically include several types of coverage, including:

  1. Preventative care: This provides coverage for routine dental services, such as cleanings, exams, and X-rays.

  2. Basic procedures: This provides coverage for common dental procedures, such as fillings, extractions, and root canals.

  3. Major procedures: This provides coverage for more complex dental procedures, such as crowns, bridges, and dentures.

 

It's important for individuals to carefully review their dental insurance policy and understand what is covered and excluded, as well as any limits on coverage, co-pays or deductibles that may apply. Dental insurance may have limits on coverage, such as a maximum amount of coverage per year or a waiting period before certain procedures are covered. Individuals should also choose a dental insurance policy that meets their dental needs and budget.

Dental

Vision

Vision insurance is designed to help individuals and families pay for the cost of routine eye exams, corrective eyewear, and other eye-related expenses.

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Vision insurance policies typically include coverage for the following services:

  1. Routine eye exams: This provides coverage for comprehensive eye exams, which are typically recommended once a year for adults and children.

  2. Corrective eyewear: This provides coverage for eyeglasses or contact lenses that are prescribed by an eye doctor.

  3. Vision correction surgery: This provides coverage for procedures such as LASIK, which can correct vision problems.

 

It's important for individuals to carefully review their vision insurance policy and understand what is covered and excluded, as well as any limits on coverage, co-pays or deductibles that may apply. Vision insurance may have limits on coverage, such as a maximum amount of coverage per year or a waiting period before certain procedures are covered. Individuals should also choose a vision insurance policy that meets their vision care needs and budget.

Vision

Prescription

Prescription insurance is designed to help individuals and families pay for the cost of prescription drugs, which can be expensive and often required for the management of chronic conditions or illnesses.

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Prescription insurance policies typically include coverage for the following services:

  1. Prescription drugs: This provides coverage for prescription medications that are prescribed by a doctor.

  2. Formulary: This is a list of covered prescription drugs that are approved by the insurance company.

  3. Tiered coverage: This provides different levels of coverage for different prescription drugs, depending on their cost and effectiveness.

  4. Copayments: This is a fixed amount that the insured pays for each prescription, while the insurance company covers the remaining cost.

 

It's important for individuals to carefully review their prescription insurance policy and understand what is covered and excluded, as well as any limits on coverage or deductibles that may apply. Prescription insurance may have limits on coverage, such as a maximum amount of coverage per year or a waiting period before certain medications are covered.  Individuals should also choose a prescription insurance policy that meets their medication needs and budget.

Prescription
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