Group Health Insurance plans through McClintock Insurance offer exceptional health coverage and a great value for your money. From high-quality providers to cost-effective, patient-satisfying care, your employees will have peace of mind knowing that they will be cared for if they become sick or injured.
A Group Health Insurance plan is an essential part of many employer-provided benefit packages. Most Americans have access to Group Health Insurance coverage through their own employer or a family member’s employer.
A Group Health Insurance plan provides access to medical care and prescription drugs to participants and/or their dependents. Typically, an employer will pay a portion of the plan’s cost and the employee picks up the remainder of the monthly premium.
McClintock Insurance is a Medicare-approved private insurer. Medicare Part D is a Medicare prescription drug benefit backed by the federal government. The United States government subsidizes the costs of Medicare benefits, prescription drugs, and prescription drug insurance premiums for Medicare beneficiaries.
Commercial Casualty Insurance is provided as an umbrella coverage with an elastic term. This business insurance can protect both the business and the business owner from negligent acts and omissions. This type of insurance may include the following coverages:
You’ve been saving for a lifetime to enjoy your retirement years. But what if you need long-term care instead of money for worldwide travel? Even more than an insurance policy, Long-Term Care Insurance helps to ensure that your entire retirement savings doesn’t go down the drain. If you should develop a terminal illness or need to be housed in a healthcare facility, you’ll want to have those costs covered so that you can leave more of your savings to your heirs.
Long-Term Care Insurance helps provide for the cost of long-term health care that is generally not covered by traditional health insurance, Medicare or Medicaid. This type of insurance policy covers long-term services and supports, such as personal and custodial care in your home, a community organization or other facility.
The cost, or monthly premium, of your Long-Term Care Insurance policy is based on several factors:
A single critical illnesses can cause financial devastation to your family. Millions of individuals and families (even those with health insurance) have found themselves caught without this very essential coverage. Critical Care Insurance provides a lump-sum, tax-free payment should you suffer from certain specific critical conditions:
So how much Critical Care Insurance coverage should you get?
A disability can occur at any age—young or old. You could wake up one morning, and suddenly your life has changed. And since disabilities typically occur without warning, you’ll want to protect one of your most valuable resources — your income — with Individual Disability Insurance. If you're suddenly unable to work due to an illness or an injury, disability insurance can help you pay your bills and continue your standard of living.
If an employee becomes too sick or injured to work—whether or not the illness or injury occurs on the job site—you’ll want to help protect your employees from loss of income. Group Disability Insurance will provide some income for your employees while they are unable to work due to pregnancy, an illness (physical or mental) or an injury. We can structure a Group Disability Insurance program where you pay all, a portion or none of your employees’ premiums.