Our Health Insurance Plans:

• Family & Individual
• Small Business
• Student
• Short-term Medical
• Dental

Is Your Health Insurance Coverage Complete?

If you're receiving medical insurance through your Derby, NY employer, there are a number of key factors you'll want check on to make sure your health care coverage is as complete as you need it to be. Quite often health insurance plans exclude vital elements of coverage that can be the difference between a fully covered trip to the emergency room and $1,000 medical bill. Take a look at the fine print of your Derby medical insurance and check for these important factors.

Do you have dental or vision coverage?

Many employee plans in Derby leave out dental coverage and vision coverage. Even if you have the whitest teeth and the sharpest eyes, regular dental and vision exams can be extremely important in helping you prevent and quickly detect tooth and eye problems. Most people have problems with their oral health and vision at some point in their life. Don't let an eye or mouth emergency catch you unprepared. Talk to your Derby, NY employer about adding dental or vision coverage to your health plan. If they're unable to help, give us a call to talk about health insurance plans that can supplement your employee insurance.

Is your family covered by your medical insurance?

Many employer health plans provide allowances for including family members on the policy. But sometimes you may have to pay exorbitant fees in order to add a spouse or children to your individual health insurance in Derby. If including your family on your individual health insurance plan doesn't make financial sense, call today to learn about health plans in Derby, New York that could better serve your needs.

Are pre-existing conditions covered by your health plan?

Many health insurance plans do not include coverage for pre-existing conditions in Derby. Health care providers simply don't want to pay for medical conditions that you had before you entered their coverage. Make sure that if you have a pre-existing medical condition, it is covered by your health insurance plan. If it isn't, give us a call in Derby to talk about health insurance plans that could be a better fit for your needs.