Are You Concerned About Your Health Coverage?

Do you feel you have less coverage, higher deductibles & out-of-pocket expenses?

The perception of the general public, has and will continue to be that Disability Income Insurance is not as useful or necessary to most individuals as Medical or even Life Insurance.

The facts:

1. Most wage-earners, mostly with employer-paid contributions, purchase MEDICAL INSURANCE.
2. Large proportions of these same wage-earners purchase group and/or individual LIFE INSURANCE.
3. Only 1 out of 4 has any DISABILITY INCOME INSURANCE.

As health insurance costs rise, your plans may suffer some basic changes to make them affordable to you.

The changes could mean:

1. Higher deductibles
2. Higher co-pays
3. Fewer covered procedures
4. More out –of-pocket expenses

These changes can keep you awake at night, since it can be safely presumed that none of them will favor your pocketbook. BUT, you can purchase various insurance programs to supplement your health insurance, thus making up for the various adverse and onerous burdens you may face, in light of changing circumstances.

Your supplemental programs can “come to your rescue:”

• NURSING HOME – WE PAY YOU
• HOME HEALTH CARE – WE PAY YOU
• MAJOR ILLNESSES – WE PAY YOU
• OUT OF WORK – WE PAY YOU

You are asking yourself, “Huh? How is this possible? What in the world is this person talking about?”

Well, SF&C Insurance Associates, Inc. offers various supplemental programs that will “pick up the slack” in all of above situations. And best of all—

All voluntary plan benefits are paid directly to you; regardless of what your health insurance covers.

And just as important: None of these benefits interfere negatively with your health insurance.

So, now that we have your attention, do not waste any time.