Health Insurance

They say the main reason for bankruptcy is because of  unpaid bills from health related issues. Please do not let that happen to you.

At Titanium Insurance we represent a wide variety of health insurance carriers to enable us to offer the best rates and plans. Save up to 30%
We offer fully underwritten major medical, guaranteed issue health plans,basic medical coverage,critical illness plans, disability, cancer and accident plans.
And for those looking for Dental, Vision, or Rx coverage, we have the best rates and plans there as well.

So please let Titanium Insurance be of service to you.You can email us at.
service@titaniuminsurance.com
mike@titaniuminsurance.com

Click below to go to Our Health Insurance website and view the different plans we offer.
 You can enroll on line or call the 800 number so one of our associates will assist you, and ofcource call me at 1 800 270-7014 , 239 682-9323

www.titaniumhealthplans.com

Guaranteed Issue Health Insurance- Not a discount program! This the best plan available. if you currently have health insurance, there is no waiting period or pre-existing condition clause. If you do not, then only a 12 month waiting period. But for maternity you only need to be on the plan for 3 mos. This is fantastic!! Check it out!!

http://www.aimhealthplans.com/michaelluker






What kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.

Fee-for-Service
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
 

Managed Care
More than half of all Americans have some kind of managed-care plan. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.

Times are changing so much now, and there are many option's avaialbale now that was not before.

Different Types Of Medical Plans We Offer:

1. Fully Underwritten Major Medical's
2. Guaranteed Issue Health Insurance - For those who have health problems and would normally be turned down. www.aimhealthplans.com/michaelluker
3. Group Insurance- Customized to save you $$
4. Short Term Insurance - Great while in between jobs or for students.
5. Basic Medical Insurance - Not a full blown major medical, but still great coverage.
6. Critical Illness Insurance
7. Disability Insurance
8. Long Term Care Coverage -
9. Dental Coverage
10. Rx Coverage
11. Vision Discount Plans
12. Medicare Advantage Plans
13. Medicare Supplements

What is 'long-term care'?
Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because Medicare and most private health insurance pays only for skilled care–not custodial care.

What are the types of disability insurance?
There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):

1. Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.
    
2. Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.

Disability policies have two different protection features that are important to understand.

1. Non-cancelable means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.
    
2. Guaranteed renewable gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.

In addition to the traditional disability policies, there are several options you should consider when purchasing a policy:

• Additional purchase options
  Your insurance company gives you the right to buy additional insurance at a later time.
   
• Coordination of benefits
  The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies.
   
• Cost of living adjustment (COLA)
  The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA.
   
• Residual or partial disability rider
  This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.
   
• Return of premium
  This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy.
   
• Waiver of premium provision
  This clause means that you do not have to pay premiums on the policy after you’re disabled for 90 days.

Critical Illness
One of the most overlooked form of health insurance available at afforable prices.



Whereas life insurance has been readily available for literally hundreds of years, critical illness insurance is a relatively recent development.

Critical Illness pays a lump-sum benefit (that may be tax-free) upon the first confirmed diagnosis of a covered illness or medical procedure. Most importantly, the cash benefit is paid directly to your client – to use any way they choose! 

There are a wide range of  insurance companies who offer a critical illness policy. The terms and conditions will vary from company to company, but the following ailments are insurable by virtually all insurers (Base Coverage): the link below will provide you with some vaulable information.

http://mrk.assurity.com/CI_Consumer_15035.pdf

Critical Illness (Fully Underwritten)
Our fully underwritten Critical Illness Insurance pays the insured at the first-ever diagnosis of 21 covered illnesses or procedures. Guaranteed renewable for life, this protection is available for individuals 18 through 64 years of age. An outstanding feature, the Return of Premium Death Benefit returns 100 percent of paid premiums (less any benefits received) to the beneficiary if the insured dies of any cause other than a covered illness.