SERVICES

HSK has agreements with many of the industry’s most highly respected carriers.  This allows us to craft coverage that provides for all of our clients needs.  Our portfolio includes Health, Life, Supplemental and Medicare products.

If you are a business looking for group health insurance coverage, please contact us by clicking here.

Health Insurance

Finding and purchasing health insurance coverage that is best suited for you and your family can be a burdensome task.  At HSK Insurance Solutions, we make this process easy.  Our agents have access to a vast portfolio of top-rated carriers and plans, with the goal of finding the option that not only meets your needs,  but also stays within your budget.  

Some of the many items our agents can help explain:

Choosing between PPO, HMO, EPO  -  High vs. Low Deductible Plans  -  Copay vs. Non-Copay plans Platinum/Gold/Silver/Bronze plans  -  Open Enrollment Deadlines   -   Prescription card tiers  -  Finding the carriers your doctor accepts  -  Understanding how the ACA laws effect you - Health Savings Account (HSA) options  -  Deciding if a Short Term plan is right for you

 

 

"We were able to get a client who was a 45 year-old male, a $500,000 10-year Term Life policy for less than $37 a month. "

 

"We secured a 50 year-old female a $350,000 20-year term life policy for less than $50 a month."

Life Insurance

If your loved ones depend on you for financial support, you understand the financial burden that can be placed on them if you suddenly were no longer there.  Life insurance helps protect your loved ones by ensuring the financial resources are available for them if this were to occur.   We offer several different types of life insurance, many of which can be approved quickly with simplified underwriting.

Term Life:  Pays a death benefit if the insured person dies within the term of the policy. Plans may be "simplified issue" or "fully underwritten".  Terms typically range from 10 to 30 years. 

 

Whole Life:  Offers guaranteed level premiums and protection for as long as you live, provided that premiums are paid as required. Whole Life policies also provide an accumulated  cash value on a tax-deferred basis which can be used when you need it.

 

Final Expense:  A Whole Life policy that is an affordable way to provide the financial resources needed to cover funeral costs, other final expenses or debts.  No physical needed, level premiums for life. 

Critical Illness polcies with a  $10,000 benefit available for under $8 per month for 35 year-old male  and under  $6 per month for 35 year-old female.

 

Basic dental plans as low as $19 per month for an individual and $16 per month for a child. Premier dental for $39 per month for an individual or $28 for a child. 

Supplemental Coverage

With the rising cost of health insurance, many families and indiviuduals have been forced to take on higher deductibles.  This puts the burden on you to be exposed to greater financial loss in the case of something catastrophic occuring.  Suppplemental coverage helps protect against these and other unexpected costs.  HSK offers a wide variety of supplemental policies that pay cash benefits directly to you so you can use the money however you see fit.  

Accident Plans:  Provide a lump sum cash benefit for injuries caused by an accident.  Covered expenses often include:  Emergency room treatment, Surgery, Major diagnostic exams, Follow up physical therapy, and Hospital Confinement.

 

Critical Illness:  Provides a lump sum cash benefit upon diagnosis of a covered criticial illness.  Illnesses typically include heart attack, stroke, cancer, and others.  Benefits typically range fro $10k to $60k.

 

Hospital Confinement:  Provides a daily cash benefit for hospital confinement related to an illness or accident.  Often the benefit will increase if the person is in the ICU. 

 

Dental and Vision:  Coverage offered through a network of providers.  Plans typically cover preventive and diagnostic exams,  and restorative procedures.  In-Network savings for eyewear and lenses.

 

 

To purchase a Medicare Supplement policy, in general,  you must be enrolled in Medicare Part A and Part B.  

 

To find out if you are, check your medicare card for Hospital (Part A) and Medicare (Part B) under the "Is Entitled To" section,  which will indicate that you are enrolled.

Medicare

Finding and choosing the right medicare coverage can be a confusing process.  There are many factors that often need to be taken into account before making a final decision.  Our knowlegeable agents are here to make the process easy.  Below are a few of things we can help you understand when making this decision and picking the plan that best fits your needs.

Medicare Supplement:  Medicare Supplement Plans are intended to help by “filling the gaps” in your Medicare Part A and B coverage. You are still enrolled in Medicare and can keep your same doctors, but a supplement makes expenses such as deductibles more predictable.  Usually, Medicare Supplement plans are standardized and labeled A through N.

 

Medicare Advantage:  Medicare Advantage plans are similar to an employer-sponsored health insurance plan.  Plans include all of your Medicare Part A and Part B  benefits, plus emergency care.  Medicare Advantage plans may also include Medicare Part D and zero plan premuims.

 

Medicare Part D:  Enrolling in a Medicare Part D prescription drug plan is not required, but many people do because it can help manage your medication expenses. With Medicare Part D you are able to get some relief from the high cost of medications  you are taking, or may take in the future.