Health
​Health insurance is a way to help pay for health care expenses. Like car insurance or home insurance, you can choose from a variety of plans to meet your budget and health care needs.
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How insurance works
No matter which health insurance plan you choose, you’ll pay a monthly payment (your premium) to keep your health insurance coverage. You may also pay each time you receive medical care (co-payment or co-insurance). Generally, the higher your premium, the lower your deductibles and out-of-pocket costs – and vice versa.

Gap

A gap plan doesn’t replace your group’s major medical health insurance policy, but you’ll want to adjust your major medical plan to achieve the desired results.
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To get the biggest impact, raise the deductible on your major medical policy. We typically suggest you try to move it to $5,000.

Disability

​Disability insurance is private insurance that replaces some of your income if an injury or illness prevents you from working. Talk to your Human Resources department to see if your job offers STD or LTD coverage as a benefit.Disability insurance is important because it can ease the financial burden on a household when someone has a serious illness or injury. The main difference between disability insurance and workers’ compensation insurance is that for disability insurance, the injury or illness does not need to be work-related

Life Insurance

​Life insurance is a great way to help prepare for life’s unexpected moments. Like most of us, you probably worry about the future. Can we pay off the house? Will my kids get a good education? Will they grow up healthy and happy?
With life insurance, you can know that no matter what tomorrow may bring, you can help support your family’s financial future.
So, how do you get started?

Supplemental Insurance

Standard health insurance helps you and your family pay the costs of medical care. But standard health insurance is not without limitation and that's where supplemental health insurance can help. Following is insightful information about supplemental health insurance that will help you determine if it is right for your family:
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What is Supplemental Health Insurance?Supplemental health insurance is a type of insurance policy that plugs coverage gaps in your regular health insurance. These gaps include deductibles, co-payments and additional expenses not covered by regular health insurance.

Dental Insurance
​Most insurance companies offer a variety of benefit plans with different features. You may have co-workers or friends who are also covered by Delta Dental, but their coverage may differ from yours.
Your dentist may not "participate" in the network for your dental plan. If your dentist does, he or she will submit your claim. If not, you may be responsible for paying your dentist and submitting your claim to Delta Dental or another insurance carrier.
If you are entitled to benefits from more than one group dental plan, the amounts paid by the combined plans will not exceed 100 percent of your dental expenses. Benefits for dependents vary from plan to plan. Pay particular attention to special clauses and to language about dependents.
Dental benefits are calculated within a "benefit period", which is typically for one year but not always a calendar year. Check your benefits information so that you know when you might be approaching your deductible payments or plan maximums.

Vision

The term "vision insurance" is commonly used to describe health and wellness plans designed to reduce your costs for routine preventive eye care (eye exams) and prescription eyewear (eyeglasses and contact lenses). Some vision plans also offer discounts on elective vision correction surgery, such as LASIK and PRK.

But unlike major medical insurance policies that may provide unlimited benefits after a certain co-pays and deductibles are met, most vision insurance plans are discount plans or wellness benefit plans that provide specific benefits and discounts for an annual premium.