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The insurance industry is constantly evolving. Insurance providers are forever trying to refine the balance between cost and coverage. As competition gets stronger, companies are working harder than ever to bring you the best protection at a price you can afford.
Whether you are searching for Medicare supplemental insurance, annuities, life insurance or niche plans such as guaranteed health insurance, you need to be one step ahead of the game if you want to get the most out of your policy. This is where we come in.
Individual Medical Insurance
You can feel confident that with RSI Benefit’s experience and knowledge in helping you develop your individual health plan solution and quotes, you’ll receive the best options available. Contact us to learn more.
Limited-Benefit Medical Insurance
Limited-benefit medical insurance plans are plans with more restricted benefits than major medical insurance, but with lower premiums. These plans are intended to provide you and or your dependents with basic medical coverage for specified diseases and medical conditions, as well as accidental injuries. Coverage is capped at specific amounts for specific types of services. Individual health plans present a good value for healthy individuals because of the lower cost for coverage. *** When considering a limited-benefit medical plan, it is important to keep in mind that these types of plans do not meet the requirements of the Affordable Care Act (ACA). Pre-existing conditions will either not be covered altogether or will be subject to a one year waiting period.
Voluntary Accident Coverage
Voluntary Accident Insurance helps provide a layer of protection for individuals that major medical plans might not cover (helps narrow gaps caused by out-of-pocket expenses such as deductibles, co-payments, and non-covered medical services). These are Guarantee Issue, and plans can be designed to complement an overall benefit package. Benefits are paid directly to the Insured.
Dental, Vision, & Hearing Plans for Individuals & Families
Like medical insurance, dental insurance works much the same way. For a specific monthly rate, (premium), consumers are entitled to certain dental benefits. For example these might include:
- Preventive Services (e.g. cleanings, examinations, X-Rays, and fluoride treatments).
- Basic Services (includes such things as X-Rays, fillings and extractions).
- Major Services (e.g. bridges, crowns, full or partial dentures, root canals, and oral surgery).
- Some dental plans include vision coverage while other plans offer coverage for an additional cost.
When shopping for a dental plan, keep in mind that premiums vary depending on such factors as policy year maximum benefit, policy year deductible and benefits offered. By clicking the link above, you will be able to obtain a price quote and purchase a dental plan should you find one that meets you and your family’s needs.
Additional Dental Plans
If none of those plans work, give us a call to learn about additional dental plans available. We have additional plans that offer increased benefits for a slightly higher monthly premium. Here at RSI Benefits we offer individual plans for families for varying levels of dental and vision coverage to meet your budget.
Life Insurance
Whether you are an employer offering life insurance as an employee benefit, an individual customer or an insurance broker assisting a client, RSI Benefits mission is to help you find the most competitive products from financially sound companies that fit your financial and insurance needs. Whatever your needs may be, RSI Benefits and its dedicated team of associates will assist you in finding the right product with the best company based on service, support, and price. Let RSI Benefits take the headache and hassle out of the equation. Our job is to put you and your loved ones at ease.
Is life insurance necessary?
The mere thought of life insurance is something that not everybody is comfortable talking or even thinking about. Most people, right or wrong, equate life insurance with death. That’s why life insurance is often referred to as “The Widows Friend.” The unexpected death of a loved one is generally the furthest thing from our minds, especially when we are young. That being said, it is never too early to start thinking about your family’s well-being in case tragedy were to strike.
Buying life insurance is a smart decision, for a number of reasons. Not only is it a tool to protect loved ones, it can also serve as a sound financial investment and planning tool. RSI Benefits can assist you with identifying and purchasing the policy that best suits you and/or your family’s needs.
Life Insurance Settlement
We Pay Cash For Life Policies! Do you have a life insurance policy that you no longer need or can’t afford to keep? Check with us for further details on this type of program approved by the Texas State Board of Insurance and many other states and offered through GWG Life.
This program is available for clients age 65+, Coverage amount: $100,000 to $20 Million.
