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Life & Health Insurance


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Life & Health Insurance Information

At Choice Plus Insurance we go far beyond being standard California insurance agents - we aim to be the insurance experts you trust to protect your most significant asset - Your family and life.

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.

  1. 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.
     
  2. 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.

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 Life Insurance?

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

The easiest way to understand the difference between term and permanent insurance is to use the analogy of owning versus renting a home.  Purchasing term insurance is often compared to rening a house.  When you rent, you get the full and immediate use of the house and all that goes with it, but only for as long as you continue paying rent.  As soon as your lease expires,you must leave. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance  can be easiest understood by using the analogy of equity in your home.  Permanent Life Insurance accumulates cash value, and is priced for you to keep over a long period of time. The cash value accumulation of permanent insurance is beneficial because you can borrow against generally tax-free and can be used for virtually anything from funding a child's college education to supplementing your retirement income.  This can be particularly useful in retirement when a spouse facing reduced Social Security benefits or possibly the end of pension income.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified life insurance professional.

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5100 E La Palma, Suite 101
Anaheim Hills, CA 92807


Ph: 714.695.1127
TF: 888.695.1127
Fx: 714.695.1128
E: info@choiceplusis.com
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