Quality Options for Your Health Insurance
Whether you need group health or supplemental health insurance, Boyd Insurance Agency is here to find the policy that best fits your needs. We can provide coverage for disability, accident, critical illness, cancer, dental, vision, hospital indemnity, and more. When looking for superior coverage at affordable rates, you won’t find a team of professionals dedicated to serving their customers. Your health and safety are our top priorities. Consult with our agents and let us secure a successful future, no matter what life throws your way. We’ll make sure you’re prepared.
Group Health
Our Group Health coverage options are intended to provide businesses with affordable health benefits. Boyd Insurance Agency will help you reward and retain your employees by providing a wide range of cost-effective plan options and quality health coverage under a name you can trust. Our self-funded plan designs are an excellent choice for small and mid-sized businesses looking to control their healthcare costs. Employers may even receive a refund if claims are lower than expected. Boyd Insurance Agency‘s Secure Choice fully insured plans are an excellent option for small businesses looking for a traditional major medical plan. Administrative services, such as claims processing and customer service, are handled, allowing employers to focus on their core competencies.
Supplemental Insurance
It is difficult to plan for occurrences like a broken bone, identity theft, or a life-changing diagnosis, but we know they occur daily. And when they do, it can seriously disrupt your life, as well as your finances. Fortunately, Boyd Insurance Agency provides a wide range of insurance products to help protect you and your family from the uncertainties of life.
Why Choose Supplemental Insurance Options?
Supplemental insurance, also known as voluntary insurance, fills financial gaps left by other types of coverage.
- Accident, critical illness, disability, hospital indemnity, and cancer insurance can help protect your savings from high deductible health plans, co-insurance, and co-payments, and the benefits are flexible.
- Specialty products such as identity theft protection and legal insurance offer peace of mind and financial security.
- Life insurance offers a variety of options for protecting the future of your loved ones.
Some of our products even compensate you for staying healthy by providing wellness benefits for annual physicals, tests, and screenings. Because supplemental insurance products are provided by your employer, you can benefit from low group rates and easy payroll deductions. In many cases, there are no medical questions to be addressed.
Accident
Treatment for a broken bone, laceration, or other unforeseen injuries should not deplete a person’s savings account. However, many medical insurance plans only cover a portion of the costs. Accident insurance pays in addition to existing major medical coverage. This added security can help alleviate financial concerns, allowing everyone to focus on recovering. Boyd Insurance Agency‘s Accident Insurance pays cash benefits in case of a covered accidental injury. Ambulance services, physical therapy, and other services may also be covered. People with this coverage file claims after receiving a diagnosis and/or treatment and benefits are paid for approved diagnoses and procedures according to a benefit schedule. There are no restrictions on using the cash benefits to help pay for deductibles, treatment costs, house payments, or any other household expense.
Critical Illness
Boyd Insurance Agency‘s Critical Illness insurance can help protect your budget so you can care for yourself and focus on recovery. The costs associated with a critical illness diagnosis and treatment are not always covered by basic health insurance. It also doesn’t help with personal expenses that may arise during the recovery process. Critical Illness Insurance can help by providing cash benefits for a covered diagnosis. There are no restrictions on how the cash benefits can be used, from hospital bills to groceries. When a covered person is diagnosed with an eligible condition such as a heart attack, stroke, major organ transplant, end-stage renal failure, or coronary artery bypass surgery, Critical Illness Insurance pays out benefits. People with this coverage file claims after receiving a diagnosis and/or treatment and benefits are paid for approved diagnoses and procedures based on a benefit schedule. Certain cancer diagnoses and other medical conditions may be added to employees’ coverage by employers. Benefits are paid whether additional medical treatment is received.
Hospital Indemnity
Unexpected hospital visits result in unexpected costs, and research shows that most people are unprepared to deal with such surprises. Hospital Indemnity Insurance can assist in covering some of the out-of-pocket medical costs associated with a hospital stay. This is especially useful if the deductible for the major medical plan has not been met. Hospital indemnity benefits are paid directly to the covered person, regardless of other coverage, and can be used for any purpose. Group Hospital Indemnity Insurance pays cash benefits for covered hospital expenses. After a hospital stay, people with this coverage submit claims, and benefits are paid for approved expenses based on a pre-determined schedule of benefits. Employers may elect to provide coverage for hospital stays related to pregnancy. Contact Boyd Insurance Agency to learn more about this kind of coverage.
Cancer
Boyd Insurance Agency‘s Cancer Insurance provides cash benefits following a cancer diagnosis or one of 29 other specified diseases. The benefits can help alleviate financial stress during a difficult time, allowing everyone to concentrate on treatment and recovery. Cancer insurance covers hospital stays, radiation, chemotherapy, surgery, medications, prosthetics, and other treatments. People with this coverage file claims after receiving a diagnosis and/or treatment and benefits are paid for approved diagnoses and procedures according to a benefit schedule. Additional treatment benefits and an annual wellness benefit for completing routine screenings may be included in some plans. Furthermore, we provide resources and support to our insureds diagnosed with cancer through a partnership with the American Cancer Society.
Disability
When a covered person is unable to work due to illness or injury, Disability Income Insurance pays a monthly cash benefit. This coverage can provide financial security by acting as a safety net if paychecks are temporarily reduced or eliminated due to illness or injury. Employees select a monthly benefit maximum that meets their needs. Then, if they are unable to work due to illness or an on-the-job injury, they will receive cash benefits to spend as they see fit. There is no elimination period or waiting period for a second instance of a previously covered disability, and benefits are paid for total disability, partial disability, concurrent disability, and recurrent disability. Employer-selected riders may provide additional benefits such as family medical leave, doula services, on-the-job accident disability, and other services.
Dental
Oral health is an important part of overall wellness, and regular dental care can help prevent serious, even permanent, damage to teeth and gums. Dental insurance can help protect your oral health and savings by covering routine care and preventing complications that necessitate extensive and expensive treatment. Boyd Insurance Agency offers Dental Insurance from Ameritas, a highly-rated insurer that serves over 81,000 employer groups nationwide. Ameritas offers benefits for preventive services as well as basic or major dental treatments, and insureds can select a provider from their Dental Network. You can qualify for carryover benefit dollars and increase your available dental insurance benefits by visiting a dental provider each year and submitting a claim under your plan threshold.
Vision
Healthy vision is also important for overall wellness; regular eye exams are necessary to maintain vision health. While the costs of checkups, glasses and contacts can quickly add up, vision insurance can help. Ameritas Vision Insurance is also available through Boyd Insurance Agency. When obtained from an in-network provider, annual eye exams and single vision, bifocal, and trifocal lenses are 100% covered after the deductible. Members receive a generous frame and contact allowance, as well as a discount on LASIK and PRK laser vision correction at in-network providers.
