Group Health Insurance
Offering the right health insurance benefits can be a challenge. You want to provide the best possible plan for your employees yet it must to be cost efficient for your business.
McCarthy Insurance Group is committed to providing health insurance for both our commercial customers, who need group coverage for their employees, as well as the individual or family that needs coverage.
With the changing face of health insurance in today’s market, we are staying abreast of the latest developments that will affect the coverage you expect as well as the cost impact upon you.
We have the wide array of health insurance options available, and we will present to our customers the best options at the best price.
Group Dental Insurance
Many employers provide dental insurance for their employees, but a growing number of employers are offering this as a voluntary benefit that is paid by the employee through payroll deductions. Most dental plans provide full coverage with a 100% benefit for preventive exams & cleanings, an 80% benefit for basic services such as fillings and root canals, and 50% benefit for major services.
Some dental insurance companies provide a dental buy-up plan while others opt for the dual option plan. We can explain the variations in these plans so you can make the best choice for
your company.
Long-Term Care (LTC) Insurance Insurance
Long-Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age.
Rising life expectancy means that the potential need for “long-term care” grows with every passing year of your life. Most long term care expenses are not covered by Social Security or Medicare, Medicare Supplement (“Medigap”), or private health insurance. Medicaid pays for nearly half of all nursing home care, but you must meet federal poverty guidelines and may have to “spend down” most of your assets on health care.
Individual Health Insurance
Due to the continually rising cost of medical care, it is essential to provide health insurance plans for individuals and their families who cannot obtain health insurance through an employer. McCarthy Insurance Group offers health insurance programs with extensive coverage as well as high-deductible programs which are designed to protect against catastrophic financial losses.
We make it a point to stay current and on top of the frequent changes in the insurance market.
As an independent agency, we can provide insurance plans from numerous health insurance companies and are always on the lookout for quality, service-oriented insurance companies for
our clients
Individual Dental Insurance
Individual Dental Insurance is available to individuals and families that are not covered on group dental insurance. For people without dental insurance, cost often stands in the way of getting the care they need, even for routine preventive care, a trip to the dentist’s office could mean a substantial amount of money.
A freedom-of-choice plan allows you to see any dentist you wish. However, this plan does impose waiting periods for some services. If dental coverage is desired for a long period of time, and there is no rush to receive the major benefits, this plan may work for you.
