When most people think of Health Insurance, they think of Medical Insurance or Hospitalization plans covered by a PPO or HMO network. Our focus is to use Health Insurance in broad terms to protect you against loss of income due to medical expenses, accidental injury or sickness.

There are four basic types of losses and benefits for health insurance:

• Loss of income from disability,
• Medical expense,
• Dental expense, and
• Long-term care expense