JD Van Nest & Associates Insurance Services

Individual Disability Income Protection is a must for a business owner, and highly recommended for executives. If you are a business owner, you should consider purchasing both group and individual policies, if possible. As an executive, you should be sure to obtain group coverage if it is available. Only forty-three percent of large companies provide group long term disability insurance.

Choosing a health insurance plan can be tricky because of plan rules regarding in- and out-of-network services, deductibles, co-pays, and more. Contact us for a consultation today!

Fast Fact: Since 2010, the Affordable Care Act has prohibited insurance companies from denying coverage to patients with pre-existing conditions and has allowed children to remain on their parents' insurance plan until they reached the age of 26.

A poem begins in delight and ends in wisdom. Robert Frost

How is a Cancer Plan different from a traditional medical plan? Medical insurance reimburses the insured, or provider, for covered and approved medical services, procedures, equipment, and prescription drugs. The Cancer Plan pays an immediate one-time, lump-sum payment directly to the insured upon initial diagnosis of covered cancer. The cancer insurance policy benefit can be used for any purpose you choose.

The Biden Administration has announced that the ACA Marketplaces will re-open for a special enrollment period (SEP) from February 15 through May 15, 2021. Several states that operate their own exchanges have indicated that they will also institute SEPs over a similar period.

Overwhelmed by the changing world of Health Insurance? Contact us today to let us review your situation.

A person who never made a mistake never tried anything new. Albert Einstein

Key person (employee) insurance is a particular type of life insurance policy taken out by a company on one of their employees, in which the company is the beneficiary in the case of that employee's untimely demise.

What does my doctor meaning by Coordination of Benefits? It’s a way to figure out who pays first when 2 or more health insurance plans are responsible for paying the same medical claim.

With Health Insurance what is the Lifetime Limit in a plan? A cap on the total lifetime benefits you may get from your insurance company. An insurance company may impose a total lifetime dollar limit on benefits (like a $1 million lifetime cap) or limits on specific benefits (like a $200,000 lifetime cap on organ transplants or one gastric bypass per lifetime) or a combination of the two. After a lifetime limit is reached, the insurance plan will no longer pay for covered services.

A typical Individual Disability Income Protection plan starts to pay benefits after you have been off work for 1 to 6 months, and pays benefits for several years or until retirement age, depending on the policy.

Rising life expectancy means that the potential need for "long-term care" grows with every passing year of your life. The likelihood is that you or a member of your family will need long-term assistance due to a prolonged illness, a disability, or general deterioration of your health and ability to perform routine daily activities.

Live as if you were to die tomorrow. Learn as if you were to live forever. Mahatma Gandhi

What do they mean by employee benefit Waiting Period? The time that must pass before coverage can become effective for an employee or dependent who is otherwise eligible for coverage under a job-based health plan.