RF Insurance Masters approach to Health Insurance and lowering your monthly premiums.
RF Insurance Masters believes that every ones needs are different when it comes to health insurance. There is not a one solution that fits every ones needs. Depending on where you are in life we work closely with our clients and listen to what they are having happening in their life. For example a new parent with a your child will definitely want an office visit copay, and maybe a college graduate will just want coverage for their yearly physical, or if you are approaching 65 you may have different needs and we work with you to suggest the best options for you. RF Insurance Masters cares about you and wants to make sure you find affordable options. Our goal is to make sure you understand your plan and it meets your family’s needs and budget. We are here for you anytime you should have a questions or issues with your plan.
We suggest some supplemental products that can work with your major medical plan to protect you out of pocket costs. Supplemental coverage’s can help you to consider higher deductible plans and can offer you savings on your monthly premium outlay. We have not found any single affordable plan that can offer you protection from paying the deductible anytime you have an issue.
Supplemental Accident and Critical Illness Coverage
Supplemental Accident and Critical Illness coverage can help to take your liability for Accidents and Critical Illness liability out of your health plan. These policies can pay you back for accidents and illnesses that they cover. These coverage work with your current health insurance coverage and can pay you back for the costs associated with the covered accident or illness. The accident plans do have a deductible typically about $250 per accident with a max coverage amount that they will pay – this can be selected at the time of purchase. We typically try to align this with the Medical and Prescription Max Out of Pocket.
Critical Illness polices will pay per their schedule in the event of a critical illness diagnosis of one of the covered illnesses. These policies can work with your medical coverage and pay you back for expenses with your health plan. Critical Illness polices are great for cancer, heart attack, stroke, and other illnesses. You would need to review what is covered in the summary of benefits with your agent.
Please let us know if you have any questions or concerns on this plan, give us a Call at 512-807-9594. It can be a great complement with your major medical coverage to save you on your deductible exposure. It can work with HSA or regular health plans individual or group health plan.