Medical insurance covers medical and surgical expenses. The insured usually pays out of pocket and is later reimbursed by the insurance company. At other times, the insurance company will handle all of the costs.
Dental insurance generally covers regular checkups and teeth cleanings twice a year. In some cases, a co-pay may be required per appointment. Dental coverage can also include cavity fillings, x-rays, crowns, root canals, and other work. Dental insurance will not cover braces, dentures, or dental implants.
Vision insurance plans cover annual eye exams, frames, lenses, contacts, and discounts on LASIK and PRK. Vision insurance generally provides a discount for all of these services.
An individual life insurance policy is to protect family members from financial losses in the event of the premature death of the insured individual. Each policy has a designated beneficiary, and this individual will receive the proceeds of said policy.
Short-Term Disability insurance pays a portion of your salary if you become temporarily disabled. This excludes on-the-job injuries as they are covered by Workers Comp plans. Typically, short-term disability covers you for about 60% of your salary and last between three to six months. A group short-term policy is considered a guaranteed issue. You do not have to take a medical exam to buy coverage.
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