Individuals & Families

Individual health insurance is a good option for those who are:

• Self-employed
• Working for a company without insurance benefits
• Covered under a spouse's group family plan
• Currently looking for work
• On COBRA
• Retired

Health Savings Accounts (HSAs)

An HSA helps individuals save for future medical expenses on a tax-free basis. HSAs must be paired with high-deductible plans that also generally feature lower premiums.

Short-Term Health Insurance

Short-term health insurance is designed for those who are between permanent health plans. These plans are a good fit for individuals affected by a temporary layoff, are between jobs, have seasonal employment, or are no longer a dependent.

Can't Get Coverage?

Some insurance companies offer plans that do not require medical underwriting and most states have a guaranteed issue product.

 

Senior Health

Med Supp (Medicare Supplemental Insurance)

Med Supp policies work in tandem with your Medicare Part A and Part B coverage. They allow you to visit any doctor or hospital that accepts Medicare.

Medicare Part D (Prescription Drug Coverage)

This may be either a stand-alone prescription drug plan (PDP) you can enroll in if you have Medicare Part A and B, a Med Supp plan, or a Medicare advantage plan that offers Medicare prescription drug benefit coverage (MAPD).

Medicare Advantage

These plans provide Medicare-covered benefits and may offer extra benefits Medicare does not cover. These plans can vary significantly in terms of covered benefits and accessibility to doctors and hospitals. Some plans may pay for part or all of your Medicare Part B premium; and some plans may have drug coverage similar to Medicare Part D.

 

Life/Annuities

Term Life

The affordability of term insurance makes it a great early solution for young families with children at home. It is also great for other short-term needs, including mortgage and other loan protection, and business planning.   

Whole Life

Whole life provides a level, guaranteed premium with a guaranteed death benefit and guaranteed cash value accumulations. The cash value that accumulates can be borrowed from the contract if needed.    

Universal Life

One of the most popular life insurance products due to the flexibility they offer. Premiums can be increased or decreased – even eliminated for a time. Face amounts can be reduced or increased, all without changing to a different policy.   

Annuities

Annuities are an excellent vehicle for accumulating assets. Interest earned within an annuity is 100% tax deferred. Some annuities can even provide a stream of guaranteed lifetime income – income that can never be outlived.   

Final Expense

Final expense policies provide cash to cover financial obligations due at the time of death. Typically, no exam or blood work is required. These products generally provide a graded benefit during the first few years.   

Disability

The purpose of disability insurance is to replace the lost income should you become disabled and unable to work.

Long-Term Care

Long-term care can mean many different things, but any chronic or disabling condition that requires nursing care or constant supervision can bring on the need for long-term care services.

 

Specialty Health Insurance

Dental

Individual dental insurance benefits are typically packaged as preventive services, basic restorative services, major restorative, and orthodontics. The insurance may include a deductible, co-insurance percentages, and a maximum annual payout.

Cancer

There are two basic costs associated with cancer treatment, medical and non-medical. The medical costs are typically covered by your standard medical insurance, such as doctor bills and hospitals, but the non-medical costs come out of your pocket.   

Vision

While discount programs are easy to find, vision insurance programs available to individuals are rare. Typically, this is a benefit available only through an employer. These programs help pay for routine vision services like eye exams, glasses, and contacts.    

Vision Discount

A vision discount program is not insurance. These programs provide a discount off of the provider’s retail fees or list the maximum amount the member will have to pay.    

Critical Illness

There are two basic costs associated with heart disease, heart attacks, and strokes - medical and non-medical. The medical costs are typically covered by your standard medical insurance, such as doctor bills and hospitals, but the non-medical costs come out of your pocket.   

Travel

Most travelers assume they will be covered by their standard medical insurance, but the truth is, your plan may not be designed for all types of travel.   

Accident

Whether an injury is yours, your spouse’s or your child’s, it can mean spending money you didn’t plan to, worrying about where you’ll get the money for medical costs, or lost income. With Accident Coverage, you get cash benefits for treatment of injuries – paid in addition to any other coverage you may have.   

Hearing Health Care

You are eligible to receive hearing health care through EPIC's Hearing Service Plan at no additional cost. With a national network of providers, you receive customized care and may purchase brand-name hearing aids at substantial savings.    

Pet Insurance

Pet insurance is simply peace of mind for dog and cat owners. It helps reimburse the money you spend on veterinary care for your cat or dog, so you won’t ever have to choose between their health and your personal finances.

 

Wellness Solutions

Are you interested in taking control of your health once and for all? Unsure how to start or don’t have the tools or resources you need? Does your employer offer a worksite wellness program? Ask your HR director or benefits manager what services or programs are available. If you would like to see more opportunities to improve your health at work, consider telling your employer about The Other Health Plan (TOHP) – a comprehensive worksite health improvement program.

The Other Health Plan is a stand-alone program designed to help employers engage, educate, and empower employees to create healthier habits and behaviors while impacting the overall workplace culture. Building a culture of health helps the employer create an environment to support employee efforts to make healthy choices. The choices you make at work and at home affect your health, attitudes, and performance.

TOHP understands that one size doesn’t fit all and that each employer has unique needs and goals. That’s why we’ve created a number or components from which employers can choose. We offer:

• Workplace Wellness Strategic Consulting. Let our experts provide the guidance necessary to create a results-based worksite wellness solution.
• Health Risk Assessments (HRAs). This online assessment can help individuals gain a better understanding of health risks and provide aggregate information to the employer for program planning.
• Up-to-date health information. Libraries, goal trackers, and other tools, all at your fingertips.  
• Online communities. Individuals tackling health improvement goals, just like you - a great environment for behavior change. Co-worker support can make the difference in long-term lifestyle changes.
• Online and telephonic health coaching. Let our coaches provide the support and resources you need to make the health behavior changes you desire.
• Personalized nutritional advice from our RDonCall. Nutrition shouldn’t require a college degree. Simple dietary changes can make a big difference in long-term weight management and health.
• Behavior-change incentive challenges and activities. The workplace environment provides a great backdrop for friendly competition as all employees work to improve their health!

If your worksite wellness program isn’t making the right impact on your health, have your employer contact us today at (877) 441-8647 to learn more about The Other Health Plan.