Health Insurance

SMART DECISIONS TODAY FOR A HEALTHY TOMORROW.

As an individual, you’re most likely responsible not only for yourself, but also for the well being of your family. In order to keep yourself and those you care about most healthy and happy, you’ll want to ensure that you have the proper Health Insurance plan that can cover your every need and keep you protected financially.

With the cost of healthcare on the rise, you can’t afford to take any chances. At Axelrod Insurance Services, we offer Individual and Family Health Insurance plans to those who do not receive health benefit packages from their current employer, or are either self-employed, unemployed, or a student. Our various types of Individual and Family Health

Insurance options include:

• FFS (Fee-for-Service)
• HMO (Health Maintenance Organization)
• PPO (Preferred Provider Organization)
• POS (Point-of-Service)
• HSA (Health Savings Account)

Since each insurance option differs in cost and benefits, it’s important to discuss your unique needs with an insurance expert who can keep you, your spouse, and your children covered under the right plan at a price you can afford.

FIND A HEALTH INSURANCE PLAN THAT’S RIGHT FOR YOU

Without an adequate Health Insurance policy, if you or a family member gets injured in an accident or becomes ill, the last thing you’ll want to experience is paying for high medical costs from your own pocket.

If you’re an individual looking for coverage either for yourself or your family, you can find the perfect Individual and Family Health Insurance plan from Axelrod Insurance Services. Since Health Insurance options vary from state to state, our experienced, Health Insurance specialists are available to work with your needs on an individual basis in order to assist you in creating a plan that keeps you covered.

Don’t risk your finances on expensive medical bills and services. Get the affordable protection that keeps those you care about most healthy with an Individual and Family Health Insurance policy.

BENEFITS THAT KEEP YOUR EMPLOYEES HAPPY

Axelrod Insurance Services provides group health insurance to businesses in San Diego, Chula Vista, La Jolla, Escondido, El Cajon, Riverside, and surrounding areas.

As an employer in today’s business world, Axelrod Insurance Services knows how important it is to provide health insurance to the most valuable asset of your business – your employees. By providing each employee with a plan that meets his or her expectations, it can help your business lower turnover and keep a staff that’s healthy and insured with peace of mind.

At Axelrod Insurance Services, we’re proud to offer a variety of group health Insurance plans for small to mid-sized businesses – for quality assurance and additional benefits. Our health insurance specialists will work with you one-on-one to develop a group plan that’s not only affordable, but complements your business’s needs.

Which Plan is Right for your Business?

Group health insurance plans typically include either indemnity plans, such as Fee-for-Service (FFS), or managed care plans, including: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point-of Service (POS).

The major difference between Indemnity and managed care plans is the types of providers, choices of doctors and physicians, out of pocket expenses, and medical bill payments.

Since group health insurance options vary from state to state in coverage options and benefits, as well as the size of your business, it’s important to discuss your business’s Health Insurance needs with a specialist at Axelrod Insurance Services who can help you find a solution that’s ideal and feasible for you and your employees.

BENEFITS THAT CAN MAKE YOU SMILE.

With Dental Coverage as one of the most desirable options for most Americans, finding the proper plan is critical.

Whether you’re an employer looking to provide Dental Coverage to your employees and their families under a group plan, or are an individual looking to add dental as a supplement to your Individual and Family Health Insurance plan, Axelrod Insurance Services has a solution that’s right for you. From routine cleanings and check ups to additional dental work, it’s important to utilize this coverage in order to maintain good oral hygiene and overall health.

Our Dental Coverage options include:

• Traditional Indemnity
• Dental Health Maintenance Organization (DHMO)
• Preferred Provider Organization (PPO)

While there are several types of Dental Coverage options, it’s important to discuss what’s right for you with a representative from Axelrod Insurance Services. We’ll help you find a plan that meets your requirements in terms of feasible co-pays, a quality dental network, overall plan price, and much more.

Contact Axelrod Insurance Services today to receive Dental benefits that keep you, your family, and those around you happy.

ADDITIONAL BENEFITS MATTER.

If you’re like many Americans, you require either glasses or contact lenses to get you through the day. And whether you’re an employer searching to provide Vision Coverage to your employees, or an individual looking to add vision as a supplement to your Individual and Family Health Insurance Plan, finding a good plan at the right price is critical.

At Axelrod Insurance Services, we can help you develop a Vision Plan that keeps employees and family members covered from paying large out-of-pocket expenses associated with common optical needs. To learn more, please contact a representative at Axelrod Insurance Services today to find out how Vision Coverage can benefit you, your family, and your employees.

PERSONAL AND FINANCIAL PROTECTION FOR THE LONG TERM.

For most Americans, a traditional Life and Health Insurance package is enough to keep themselves and their families insured, but for many, additional coverage is required. At Axelrod Insurance Services, we offer extensive coverage options that can insure the care of those who need it most.

Long-Term Care Insurance (LTC) helps provide for the medical expenses of extended home health care or nursing home costs beyond a specified period. In general, individuals who require Long-Term Care are those who can no longer take care of themselves and are unable to perform the basic activities of daily living without assistance.

The costs of Long-Term Care can be quite expensive, and are typically not covered under basic Health Insurance, Medicare, or Medicaid. Long-Term Care Insurance from Axelrod Insurance Services can protect your family’s financial future by providing valuable coverage benefits for costs associated with:

• Home Care
• Assisted Living
• Adult Daycare
• Hospice Care
• Nursing Homes
• Respite Care

Individuals looking to purchase Long-Term Care Insurance must meet certain conditions in order to qualify for benefits. Talk to an insurance professional with Axelrod Insurance Services to learn more about Long-Term Care Insurance and whether you should add it to your current policy.

GET A QUOTE

PROTECTION THAT MATTERS IN THE SHORT RUN.

At Axelrod Insurance Services, we realize that individual people require individual insurance needs based on their current situation. And as an insurance agency, we also know that an unexpected accident or illness can happen at any time. That’s why we want to help you with all of your short-term needs in the event that you require a temporary solution.

A Temporary, or Short-Term, Health Insurance plan from Axelrod Insurance Services can be purchased for a variety of reasons. It’s a way to keep you protected from accidents or illnesses that occur when you are not insured under a standard Health Insurance policy. Individuals who require Short-Term coverage are typically those who:

• Have a gap in their Health Insurance as a result of switching jobs
• Are waiting to receive benefits from their current employer
• Have recently graduated and are looking for employment
• Maintain a seasonal or temporary position

WHAT’S COVERED UNDER A TEMPORARY HEALTH PLAN?

The right Temporary Health Insurance plan can assist in covering hospital visits, prescription drug costs, and other situations that require medical attention for injury or illness. There are several limitations; however, that are not included. These items include: physicals, exams, and pre-existing conditions. Since the terms, conditions, and duration of your policy may vary, it’s important to talk to an insurance specialist at Axelrod Insurance Services who can help you find a plan that meets your needs.

Don’t experience the financial burden of out-of-pocket medical expenses as a result of an unexpected injury or illness between your Health Insurance plans. Get the coverage you deserve today with a flexible and affordable Temporary Health Insurance plan from Axelrod Insurance Services.

ADDITIONAL INSURANCE TO COVER THE GAPS.

At Axelrod Insurance Services, we’re committed to offering a total array of insurance services that meet your every need. That’s why we offer additional insurance coverage to keep you protected in areas that your current Health Insurance policy does not cover – for peace of mind assurance that keeps your finances secure.

Supplemental Insurance works to cover any gaps in your Health Insurance plan. This can include any out-of-pocket medical expenses, such as deductibles and co-payments that you cannot afford. It can also provide cash benefits to assist you in certain situations such as, high living expenses, loss of income due to an illness or injury, and money to pay for medication.

TYPES OF SUPPLEMENTAL INSURANCE

There are many types of Supplemental Insurance, which is why it’s important to talk with an insurance representative from Axelrod Insurance Services to discuss your options. A couple of examples include additional insurance for Medicare and Maternity.

Medicare Supplemental Insurance provides current individuals under Medicare with assistance for items not covered under Medicare Part A and Part B. This can include co-pays, deductibles, and co-insurance that can add up to large out-of-pocket expenses.

Maternity Supplemental Insurance helps to cover any medical expenses up to the delivery of the baby. This can include deductibles, co-payments, and more – so you’re not stuck with unexpected expenses on top of your existing bills.

Since Supplemental Insurance is an addition to your Health Insurance policy, it’s important to note that it does not act as a traditional Health Insurance policy.

Avoid gaps in your current Health plan with Supplemental Insurance from Axelrod Insurance Services.

YOUR BIGGEST ASSET IS YOU

Axelrod Insurance Services provides disability insurance to individuals in San Diego, Chula Vista, La Jolla, Escondido, El Cajon, Riverside, and surrounding areas.

When it comes to protecting your assets, one of the most important things you can insure isn’t a material object like your car or home – it’s your ability to work and earn a living. At Axelrod Insurance Services, we know that like most people, you depend on your income to pay bills, put food on the table, and provide for your family. But if you get sick or injured and can’t work, you’ll need to be protected in order to maintain your standard of living.

With disability income Insurance from Axelrod Insurance Services, you can continue to pay your bills and keep you and your family from going into serious debt. If you can’t work as a result of injury or other illness, a disability insurance policy will pay a portion of your income, usually between 50 and 70 percent.

Policies can vary greatly depending on the individual, and the duration and amount for which you are reimbursed are determined by the nature of the disabling accident. Like life insurance, disability is purchased for a period of time, such as a two or five-year term, and benefits will only be paid if you become disabled during the term of the policy.

Choosing the right disability coverage is important. In the event you become disabled, you'll want to ensure that you and your family have enough coverage. A representative at Axelrod Insurance Services will look at the individual factors in your life and work situation, and help design the best policy that meets your personal insurance needs.

INSURANCE SOLUTIONS FOR THOSE IN NEED.

Unfortunately, not everyone can afford a Health Insurance policy. At Axelrod Insurance Services, we believe that each person deserves some sort of coverage in the event of illness or injury.

Depending on your location and situation, there may be several options for keeping your children insured so they can receive the care they need, when they need it most for physician visits, dental and vision services, prescription coverage, and more. Options like Medicaid for low-income children and adults, or a State Children’s Health Insurance Program may be the right solution.

Contact a specialist at Axelrod Insurance Services to learn more today.

COVERAGE THAT TRAVELS WITH YOU.

Traveling is a great way to either spend time with your loved ones, or take some time off from your busy schedule and simply relax. At Axelrod Insurance Services, we want to wish you safe travels on your next adventure and keep you safe with protection that matters.

An accident can happen at any time – even on vacation. And whether you’re oversees or across the country, the best way to ensure that you’re protected at all times is with a Travel Health Insurance plan that’s right for you. The last thing you’ll want to experience is being sick or injured in an unfamiliar place.

Axelrod Insurance Services offers additional Travel Health Insurance policies that keep you covered in the event of travel-related accidents or conditions, such as:

• Car Accidents (whether you’re the driver, a passenger, or pedestrian)
• Accidental Injury or Disability
• Loss of Eyesight or Hearing
• Sickness
• Medical Evacuation
• Accidental Death

While there are other options available, including insurance for any lost items or delays, it’s important to discuss your travel needs for your next trip with an expert at Axelrod Insurance Services. This type of coverage typically lasts throughout the duration of your trip outside of the country and generally expires upon your return.

Enjoy your next trip with the peace of mind assurance that you and your loved ones are protected with flexible and affordable Travel Health Insurance.

EXTRA DISCOUNTS FOR YOUR MEDICATION.

Axelrod Insurance Services understands the importance of your daily medication. And with today’s increasing costs of prescription drugs, you may find it difficult to pay for the expenses from your own pocket – especially if you depend on taking various medications for multiple symptoms.

With the right Prescription Insurance, you can remove much of the financial burden and make your medication more affordable. A typical plan can:

• Reduce the cost of your medications
• Decrease your co-pay expenses
• Cover any specialized medications
• Make your out-of-pocket expenses feasible

Since there are many coverage types and Prescription Insurance plans available, it’s important to discuss your options with a specialist from Axelrod Insurance Services to see if your current Health plan requires extra coverage for your individual needs.

Contact Axelrod Insurance Services today to find out how additional Prescription Insurance can save you money.

IT’S ALL ABOUT OPTIONS.

Whether you’re looking for individual coverage or trying to decide which type of plan to choose for your employees, Axelrod Insurance Services can help you find a Health Insurance solution that meets the needs of everyone.

Health Savings Accounts (HSAs) are a newer alternative to Health Insurance and are meant for those who are insured under high-deductible Health Insurance plans. These plans allow individuals to set aside money to into a savings account that they can use overtime for medical expenses that are not covered under their high-deducible plan. With a standard HSA, you can do the following.

1. Put money into your HSA (tax free)
2. Watch your money grow (tax free)
3. Take out money if needed for qualified medical expenses, including dental and vision (also tax free)

ADVANTAGES OF HSAS

With a Health Savings Account, you get to control the amount of money that you wish to set aside for medical expenses. All deposits, growth, and withdrawals are all tax-free for your convenience, and most important, your money rolls over each year. Unlike flexible spending accounts, you don’t lose money when your policy renews. Whatever you put into your HSA keeps growing, tax-free.

Although there are limits to the amount of money in which you can deposit into your Health Savings Account each year, as well as qualifications, it’s a great way to help you have a lower premium, supply you with medical coverage if necessary, and help you save for your future medical needs.

Contact an insurance specialist at Axelrod Insurance Services today to learn more about how an HSA can benefit you.