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INSURANCE

Individual Health Insurance
 
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Life
Insurance

Life insurance is a crucial step in planning for your future and the future of your loved ones.

  • With Individual Health plans, you only pay a small copay for appointments.

  • Some Short Term plans offer a copay for appointments, but most only cover selected percentage after deductible is met.

  • Individual Health plans start on the 1st of each month, whereas Short Term plans will start immediately once approved. 

  • Individual Health coverage helps pay for doctor visits, prescriptions, and hospital costs.

  • Short Term policies are available for 1 month to 3 year periods, and can be renewed once the policy term has ended.

  • Unlike Individual Health plans, not all Short Term plans cover prescriptions.

 

The insurance protection you need for daily medical costs

  • Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

  • Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.

  • Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.

Vision and Dental

Vision and Dental complete your health coverage, helping to cover the cost for eyewear and dental procedures.

  • Dental insurance pays a portion of the costs associated with dental care. Unlike medical coverage, dental coverage focuses on preventative.

  • Most plans cover preventative services 100%.

  • Dental plans will pay a certain percentage for basic services like fillings and major work such as crowns.

  • Vision exams are recommended every 1-2 years. 

  • Vision insurance covers 1 exam per year.

  • Offers copay for lenses and frames within a certain allowance.

  • Offers copay for contact lenses.

Supplemental Insurance

Supplemental Insurance helps fill in the gaps of medical coverage. If you are diagnosed with a critical illness, cancer, get into an accident and are out of work, these policies will help you supplement your inco

  • Critical Illness Insurance offers a lump sum cash benefit when diagnosed with a critical illness. The payment is paid directly to you to use however you need so that you can focus on recovery instead of stressing over expenses.

  • Accident Insurance is there to help supplement your income if you have an accident. What would happen if you had an accident and had to miss work? How would you pay your medical bills and household expenses? 

  • Cancer Insurance offers a lump sum cash benefit in the instance that you are diagnosed with cancer. Treating the disease can be costly, and medical coverage doesn't always cover it all. You can use the benefits to pay for whatever you need. 

  • Disability Insurance is a form of insurance that insures your earned income against the risk that a disability creates a barrier that prevents you from being able to work. This allows you to maintain paying your bills while you're out of work, either short term or long term.

HOURS & LOCATION
Location

175D Lameuse St

Biloxi, MS 39530

 

brent@brentharrellins.com

 

 

Tel: 228-447-5158

Hours

Monday - Thursday

9:00 am to 5:00 pm

Friday

9:00 am to 3:00 pm

 

Evenings and weekends by Appointment

The ABC's of Medicare can be confusing. Our agency can help you better understand your options, and make sense of it all. If you're 65 and older or have been on disability for 2 years, you qualify for Medicare.

Medicare
  • Part A is something that is automatic as soon as you meet qualifications for Medicare, is free, and only covers hospital costs.

  • Part B covers outpatient care such as doctor visits and outpatient diagnostics at the 80/20 co-insurance. This has a monthly premium.

  • Part C is an Advantage Plan. This plan is additional to Part A & B, which is required to obtain this plan. It offers copays for doctor visits, diagnostics, and covers prescriptions.

  • Part D is a stand alone Prescription Plan. This helps cover prescriptions if you don't have an advantage plan. It is required to have prescription coverage, whether through employer, advantage plan, or Part D or else you will receive a penalty every year. 

  • Part F-N are Medicare Supplemental plans. These are additional to Parts A & B. Unlike the advantage plans, these do not cover prescription, but offer larger networks and lower to no medical payments. 

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Life Insurance

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