Insurance Options Shelby “Bighoss” Sisco and Mark “Marky Mark” Moyer

Property Insurance  Homeowners Insurance – Form of property insurance designed to protect an individuals home against damaged to the house itself  Flood Insurance – Covers you if your house experiences a flood and is damaged  Umbrella Liability Insurance - Umbrella insurance helps you protect your assets if you are sued.

Auto Insurance  Bodily Injury - your medical bills along with those of your passengers will be paid, no matter who is at fault for an accident.  Liability - Liability insurance will cover the cost of repairing any property damaged by an accident as well as the medical bills from resulting injuries.  Collision - collision coverage will pay for the repairs to your car. If your car is totaled collision coverage will cover the value of your car.  Comprehensive – Covers you if something happens to your car not related to an accident. Such as you hit a deer, weather damage, or your car gets stolen.

Health Insurance  Medicare - federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people  Health Maintenance Organization (HMO) - HMOs usually offer coverage for most types of preventive care, including specialist visits; but, specialist visits are only covered when your PCP makes a referral  Preferred Provider Organization (PPO) - both you and your family can see any health care provider in their network, including specialists, without a referral  Exclusive Provider Organization (EPO) - have access to all of the health care providers within the EPO network, including specialists, typically cost you less, any provider outside of the EPO network isn’t covered by your insurance.

Health Insurance  High Deductible Health Plan (HDHP) - right for people who want to save money with low monthly premiums and don’t plan to use their medical coverage extensively  Dental Plan- Covers visits to the dentist and checkups.  Vision Plan- Covers visit to optometrist and helps pay for glasses and eye care.

Disability & Life Insurance  Long term group disability insurance- insurance with an elimination period of at least 90 days. The benefit period is typically 2 years, 5 years, 10 years, to age 65 or lifetime. The longer the benefit period, the higher the premium.  Social Security- federal program of social insurance and benefits.  Workers Comp- Form of insurance providing wage replacement and medical benefits to injured employees.  Temp Life Insurance- Policy with set duration limit on the coverage period.  Permanent Life Insurance- Plans that do not expire and combine a death benefit with a savings portion.

Insurance Company  Farm Bureau  They offer ATVs Safety, Electrical Safety, Fire prevention, Livestock safety, tornado safety, tractor safety, water safety and wood heat protection

Insurance Coverage  Property Insurance- Replacement Coverage Cost and Umbrella Liability Coverage  Auto Insurance- Bodily Liability, Comprehensive, Uninsured and underinsured, and Umbrella Liability Coverage  Health Insurance- Blue Cross and Blue Shield, Dental Gold Plus Vision Plan, and Essential Blue Freedom Plan  Life Insurance- Permanent Life Insurance