Life & Health Insurance
Life & Health Insurance Information
Horne Insurance - Life and Health Insurance within the entire state of Pennsylvania and Maryland.
Most people need insurance not only for their life, but also for their death.If you do not have a plan to take care of both your present health and your eventual final settlement, then you might create a risk of financial insecurity for both yourself and your loved ones. That is why some of the most critical pieces of personal protection you can have in your life are life insurance and health insurance.
Here at Horne Insurance, we offer a diversity of quality life insurance and health plan options for individuals and families of all shapes and sizes. No matter where you are in your life, you can benefit by enrolling in both types of coverage. They will be here for you not only now, but also in the future.
Call us at 814-886-4021 for more information, or request your free life insurance or health insurance quotes online right now. We can get you on your way to better lifetime security.
Pennsylvania Health Insurance
Health insurance is coverage that you can use throughout your life to help you afford the costs of everything from basic medical care all the way up to care for catastrophic injuries or chronic illnesses. It’s a great benefit to every American because of the astronomical cost of today’s medical care. Never second guess the fact that the right plan cansupply exceptional protection for your family.
The Types of Health Insurance Plans
Some people get health insurance from an employer or a retirement program, but millions of others buy plans privately.You should not have to go on your search alone, however. Horne Insurance offers quality, affordable plans from trusted names in health insurance, and plan offerings include:
Each plan will offer access to trusted hospital and physician networks. Policyholders will receive the guarantee of high-quality care that remains within their financial reach. Among multiple benefits, policies can cover:
Inpatient & outpatient medical care
Routine preventive care, including no-cost immunizations
Physical therapy and rehabilitation
Mental health care
Radiology or imaging services
Vision & dental care for adults & children
Policyholders can also receive convenient access to mail-order prescription services, telemedicine, cost comparison tools and multiple other benefits. You can rest assured that your chosen policy will provide optimized benefits that appropriately address your specific health care needs.
Your Costs for Medical Care
We know that health care costs are concerns for most people in the market for a policy. Alongside your premium, you will also have certain cost sharing obligations when receiving care, such as:
At the end of the day, our goal is to help you make your medical bills more affordable. That is why we will work with you to understand your income, budget and care needs to find the right policy solution.
Please note: Certain enrollees qualify for cost aid if they enroll in a plan offered through the healthinsurance.gov marketplace. Speak to one of our agents about your qualifications.
Pennsylvania Life Insurance
Not only might someone’s death create a financial burden with finalmedical expenses and funeral costs, but it also might leave a hole in place of the income that the deceased once provided. Quality life insurance is a vessel that you can put in place during your lifetime to provide your loved ones with support following your death. The key is to get the policy that is right for you.
The Types of Life Insurance
Many people use life insurance as a support beam for their overall estate planning structure. The basic premise of life insurance is that if you die while the policy is in place, then the policy will pay a financial death benefit to a designated beneficiary.There are two general types of life insurance:
Term Life Policies: These policies only last for a certain number of years. For example, if you enroll in a policy with a 20-year term, then the policy will only last 20 years.
Whole Life Policies: With a whole life policy, your coverage will last as long as you pay your premium on it. Another type of policycalled universal life insurance also lasts indefinitely. However, it allows the policyholder to structure their premiums in a more flexible way.
The main goal of term, whole or universal life policies is to help individuals put a security blanket in place for survivors in case of their deaths. With the death benefit provided by the policy, the policy’s beneficiaries might be able to pay for costs of mortgages, college educations and other debts. The death benefit can also replace income lost because of the insured party’s death.
Additionally, whole & universal life policies offer a cash value benefit which the policyholder can use as an investment tool. Part of the policyholder’s premium will go into an investment account which will accumulate funds over time. The policyholder can then use the returns as an added source of income during their life. Term policies do not offer these benefits.
Setting Up the Correct Life Insurance
At Horne Insurance, we understand that it is often hard to decide which type of life insurance is right for you. We specialize in insuring individuals and families of any shape and size with their best and most affordable life insurance options. We can:
Help individuals with pre-existing conditions find affordable coverage.
Advise you on your investment and withdrawal opportunities on whole and universal life cash value options.
Guide you through medical testing and other enrollment requirements.
Help you decide if you need to set up a trust for life insurance funds.
Generally, the younger you are, the better your qualifications for the widest choice of policies. So, do not hesitate to get your search for coverage started today. With our expert guidance, you will be able to open the book on your selection knowing that you made the right investment in your family’s future.