Stephan Insurance Services, Inc., provides 'business to business' (B2C) and 'business to consumer' (B2C) supplemental medical insurance services.
When our 'physical' health condition goes, the first place we turn is to the doctor. Our major medical health plan provides 'physical' protection helping us to get well, however, leaving us with doctor and hospital out of pocket expenses that varies from medical plan to medical plan. It's at this stage that your 'financial' health plan is in place and goes to work for you. E.g. savings, assets, retirement account, and/or supplemental insurance protecting us from financial hardship that goes along with sickness and injuries, and gives us the abilitly to focus on getting well. Supplemental insurance offers direct-to-the-policyholder cash payouts for annual wellness exams, lump sum benefits for diseases, in-hospial stays, physician visits and follow up care, ambulance services, and more.
Accident insurance policies help manage many of the expenses that your major medical insurances doesn't cover after an unexpected injury. Accident insurance pays cash benefits for qualified expenses for hospital stays, emergency transportation, physician treatment and more.
Disability income insurance provides a maximum benefit designed to replace gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation.
Critical illness insurance helps you financially survive. People today are not only experiencing more critical illnesses, but they are surviving them due to advanced medicine and medical technologies. Critical illness insurance pay lump sum and tax free benefits for specified covered critical illness diagnosis. This benefit can be used to help meet expenses which are not normally covered under their traditional health insurance.
Cancer insurance provide lump sum cash benefits for treatments related to a cancer diagnosis, from hospital confinement, radiation, chemotherapy to travel expense and lodging. No matter what other traditional medical insurance you may have, the policies may pay you directly.
Heart disease and stroke insurance provide lump sum cash benefits for in hospital stays for if the insured suffers from a heart attack, stroke or other specified illness or disease. Insurance policies offer direct-to-the-policyholder cash payouts to help cover what other insurance doesn't.
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