Dental & Vision Insurance

While most dental and vision plans are offered through employer-sponsored plans, Graber & Associates has options for individuals and families as well.

People buy dental and vision insurance for a variety of reasons – to maintain a healthy mouth and eyes, to protect their children’s dental and vision care, for additional help paying for costly care – but no matter the reason, everyone wants the best care for an affordable price.

The team at Graber & Associates is ready to match you with a plan that will protect your health and your pocketbook.

Disability Insurance

Unfortunately, a disability strikes more often than you’d think – so it’s important to protect your ability to earn an income. This is true whether you are single or have a family. Disability insurance insures your paycheck.

Disability income insurance (DI) offers protection through benefits that replace a portion of your pre-disability income. The monthly amount that you can qualify for, the premium, and the benefit period all depend upon your occupation.

When it comes to DI insurance, you’ll want to find a policy with the highest monthly benefit you can qualify for with the longest benefit period possible. It’s also essential to get the longest waiting period you can afford, because that will help control the premium cost.

Cancer Insurance

Cancer insurance can provide peace of mind in the shadow of a serious diagnosis. Cancer treatment costs present a significant financial burden for almost all patients. Basic health insurance alone would likely not be enough to cover them.

Cancer insurance is conceptually simple, but must be researched carefully. Consider aspects such as under what conditions the policy pays benefits, if payment is lump-sum or daily, and if there is a waiting period. You should also note if a plan covers inpatient and outpatient treatment, along with travel expenses.

Accidental Injury Insurance

It’s often best to expect the unexpected, and that’s especially true for injury and the resulting medical costs. But even better than to expect the unexpected is to prepare for it – an accident plan is an inexpensive way to help protect you and your family from the unpredictable.

An accident plan works as a supplement to your individual or group health insurance policy. Benefits are paid directly to you, whether you have a low or high deductible, and regardless of any other insurance you carry.

Illness Insurance

Critical illness insurance provides a lump-sum payment upon the diagnosis of a critical illness or condition. A critical illness supplement policy could help cover costs associated with heart attack, stroke, cancer, end-stage renal failure, or multiple sclerosis – although critical illness qualification varies based on company policy.

This form of insurance is designed to help you avoid the financial strain that a major illness can create. For example, the benefit from a critical illness policy can be used toward a mortgage payment or travel expenses. Unlike disability insurance, you don’t have to be employed to purchase this type of insurance.

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