Walking through the maze known as the Affordable Care Act can be a bit overwhelming. Just about the time a mandate implementation is in sight, there’s another turn in the path. Since the passage of the Affordable Care Act in 2010, the WA Insurance Group/Winona Agency staff has been working with employers to help them understand and comply with the new regulations. WA Insurance Group/Winona Agency helps our clients stay up to date with regular client alerts on breaking Health Care Reform news, and face-to-face meetings to explain the details. Contact us today to learn more about how Health Care Reform affects your Group Benefits, or you can click on the links below to request a quote in your area of interest.
Medical /Health Insurance Quote
Medical or Health Insurance pays for medical expenses that are sustained by the insured. Health insurance can either reimburse the insured for expenses arising from illness or injury or pay the care provider directly. Health insurance is often included in benefit packages as a way of attracting quality employees.
Dental Insurance Quote
Dental insurance is rather unique. First, its low cost makes dental insurance highly affordable for individuals and families. Second, because dental insurance encourages and generally pays for regular check-ups, many people who purchase protection start to benefit immediately. Finally, the price of maintaining a healthy mouth can cost hundreds ... even thousands of dollars. Should you ever need costly care, from filings and crowns to periodontics and orthodontics, your dental insurance will be there to provide benefits when needed.
Vision Insurance Quote
Vision Insurance is a low-cost benefit that is one of the greatest values in employee benefits packages. Offering vision insurance to your employees encourages prevention, early identification and treatment of vision-related diseases.
Term Life & AD&D Insurance Quote
Life insurance offers a lump sum of money to beneficiaries upon death of the covered party. It is frequently used to replace loss of current and some future income, and may also be helpful in estate planning. Accidental Death & Dismemberment (AD&D) insurance provides a lump sum payment if death or dismemberment is the direct result of an accident.
Short Term Disability (STD) Insurance Quote
Short term disability insurance pays a percentage of an employee’s salary for a period of time if they are ill or injured and cannot perform the duties of their job. Coverage usually begins one to 14 days after the employee suffers a condition that leaves them unable to work.
Long Term Disability (LTD) Insurance Quote
Long term disability insurance (LTD) assists the employee when short term disability insurance (STD) benefits end. Once the employee's short term disability insurance benefits expire (generally after three to six months), the long term disability insurance pays an employee a percentage of their salary.
Critical Illness Insurance Quote
Critical illness insurance typically makes a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.
Accident Insurance Quote
Accident insurance assists with the medical and out-of-pocket expenses that add up as a result of an accidental injury.
Cancer Insurance Quote
Cancer Insurance helps protect your income and savings from expenses that are not covered by your major medical coverage. This could include things like travel and lodging away from home, out of pocket medical expenses, as well as normal living expenses like your mortgage and car payment.
Universal Life Insurance Quote
Universal Life Insurance offers the low-cost protection of term life insurance as well as a savings element. The death benefit, the savings element and the premium can be altered as a policyholder's circumstances change. Universal life insurance also allows the policyholder to use the interest from his or her accrued savings to assist in paying premium.
Whole Life Insurance Quote
Whole Life Insurance has both an insurance and an investment component. The insurance component pays a specified amount upon death of the policyholder. The investment component accrues a cash value that the policyholder can withdraw or borrow against.