Need Health Insurance or Life Insurance?
Illness and injury can happen when we least expect it, and we want you to take comfort in knowing you and your family are protected. With Goodwin Insurance Associates, you can rest easy, knowing that you are getting the best rate for the best coverage available. Cover all the basics like health, dental, and life insurance as well as group coverage for business owners so that you can offer your team attractive benefits.
Health insurance is insurance that pays for all or part of a person's healthcare bills. Healthcare costs include doctor visits, hospital stays, surgery, procedures, tests, home care, and other treatments and services. The different types of health insurance are group health plans, individual plans, workers' compensation and government health plans such as Medicare and Medicaid.
Dental insurance works like many other types of health coverage but is designed especially for visits to the dentist. The patient pays a monthly fee or premium to an insurance provider, and the insurer pays for some or all of the patient's dental care, as per the agreement, up to a specific coverage limit. For example, if you are covered up to $2,000 in dental coverage, then you can use up to that amount yearly on basic dental care. If you need care exceeding this amount, you may need to pay for the dental care out of your own pocket, although the insurer will cover part of your costs.
Group insurance plans are set up by an employer, union or other group with a view to providing insurance coverage to plan members in the event of death, accident, illness or disability. For employers, they are an attractive addition to benefits packages. The policyholder will negotiate the details of the contract with the insurer, which is generally compulsory for all employees or group members. Group members must have a relationship with the policyholder; for example, they must all be employed by the same company. There are small group plans for 2-50 people and large group plans for 50 or more. Group insurance premiums are generally guaranteed for a one-year period. Every year, the policyholder and insurer can negotiate changes to the plan.