• Group Health Insurance Plans: Small, Medium and Large.

 

• Self-Funded Plans: Small, Medium, and Large Group Health Insurance Plans (No Obama Health Plans)

 

• Group Dental, Short Term / Long Term Disability, Life.

 

• Individual Health Insurance Plans, Dental Plans, Vision

 

• Medicare Supplement Plans /Long Term Care Insurance

 

• Life Insurance/Business Life - Key Man/Buy-Sell Agreement

 

• Individual Short Term and Long Term Disability

• Short Term Medical

• Critical Illness/Cancer Plans, Accident Plans, Hospital Indemnity Plans.

• Business Overhead Expense

 

 

Our Goal for our Agency is to focus on the clients’ needs.  We know businesses are constantly changing, and we want to make sure we are meeting the clients’ needs, and their business as it changes.  We make sure at their renewals that we go over every area of the business owners’ benefits.  We like to visit the business owners and HR person two to three times a year, to make sure that we are keeping up with any changes that may need to be made for each business owner.  We want to express how important service is in our Industry.  We have to stay plugged in, and keep in contact with all of our clients No business it too big or too small for our services.

 

J. Gayle Insurance Services has a great deal of knowledge in the insurance industry.  We like to keep our clients informed of any changes that may affect them.

Keeping our clients informed of any new laws that the government may have passed, that may affect their business.
We will educate our clients if their needs to be changes made to their group policy
We will assist our business owner’s employees’ when it comes to claims or just questions as to what may be covered, and what may not get covered.

 

Group Health Insurance: 

This is defined as Employee Benefits set up by Business Owners or Unions to provide coverage for their employees’ and their dependence for medical Care services through Insurance Reimbursement.

 

 

Self-Funded Group Health Plans: 

This is where the employer will take on the risk of providing health insurance for his or her employees’.  The business owner will set up a separate account to pay claims.  Normally the carrier has a third party

to handle this account. The business owner pays the claims as they come in while paying a much lower monthly premium. The cost for the self-funded Plans have been 30% to 40% cheaper for business owners having 4 to 100 employees’ vs the fully insured plans that are available today.  Fully insured plans are one fixed price per year. The self-funded plans have to be a good fit for each type of business

due to their industry.  These plans are not Obama Health Insurance Plans.  They are fully underwritten by the Carrier. If interested, Please contact our Agency for further details.

 

 

Group Dental:

This helps cover the cost of Examination, Cleanings, x-rays, Cavities filled along with having teeth replaced (Crowns and Bridges).  You pay a  monthly premium for these plans.  Some Group Dental Plans have better benefits that will cover Orthodontia (Braces for Adults and Children).  Please ask us if you have questions about the different types of dental plans.  We are here to help you.

Short Term/Long Term Disability:  Both types of coverages are to designed to provide income

replacement due to an accident or a sickness.  Most plans will pay up to 60% for your gross annual income.  There are different waiting periods, which allows the customer to design a policy that will work for his or her budget.

 

 

Individual health insurance:

This is a Type of coverage that pays for medical and surgical expenses that are incurred by the insured and the health insurance will reimburse the insured or the care provider (Doctor Specialist, Hospital)

 

 

Medicare Supplement Plans:

This is health insurance sold by private insurance companies to fill the gaps in Original Medicare coverage.  Medicare can pay up to 80% of charges for Doctors, Specialist, and Hospitals.  The Medicare  supplement will pick up the 20% that Medicare does not cover.  The key is that Medicare has to approve and pay one Penny of any charges for the Medicare Supplement to pay.

 

 

Long-Term-Care:

This coverage will provide for Home Health Care Services, adult day Care, Licensed Practical Nurse, Assisted Living Facility, and Nursing Home. This coverage is provided to ages 30 to age 80.  Depending on the carrier and their health conditions.  This is a great asset to have in your portfolio for planning your future.  This will help protect your assets. 

 

I had a client 15 years ago, husband and wife.  I helped them with their Medicare Supplement, but they stated they had all the insurance they needed, because he retired from the Houston Police Department.  I asked them both on two different occasions, to apply for Long Term Care Coverage and they refused.  I received a call 2 years later from the spouse, her husband had a stroke, and was paralyzed on his whole left side, and the hospital was sending him home. In skilled nursing, you have to be making improvements to stay in skilled nursing.  The spouse had fallen and broken her left arm and could not dress herself or bathe herself.  The couple both thought their insurance would pay for what services he needed and she needed.    It did not, and I had to explain to them that they would pay dollar for dollar for care and services, out of their own pockets.  If they did not have the money to pay for services, then they would have to start selling everything, except their home and one automobile.  They did not believe me, but their sons and daughters contacted me, and shared with me, that everything I had advised them on, came true.  If you don’t have this safety net in place, then it will not take a person long to go through their assets.  This can normally takes 6 months to a year.  This is a true story and the couple lived out in Conroe, Texas.

 

 

Life Insurance:

Insurance that pays out a sum of money, either on the death of the insured person or after a set period.  Life insurance will also protect the Family while the husband and wife raise their children. It gives a large amount of coverage for a small premium depending upon your age and your health conditions.