Health & Life Insurance

Health Insurance — Jones Group Insurance Services in Marietta, GA

Health Insurance

It is almost impossible to live without health insurance these days. With the rising costs of healthcare, some people are finding it difficult to find affordable coverage. Whether your employer does not offer health coverage or you are self-employed, you may find yourself in a position where you need to seek your own health insurance policy.
Health insurance policies most often provide coverage for:
  • Doctor's visits
  • Prescriptions
  • Medical Testing
  • Specialized care
  • Surgical procedures
Although every Georgia health insurance policy is different, typically you can work with your insurance agent to create a policy that best suits your lifestyle and needs. It is important to consider your financial situation AND the health of you and your family members when creating a health insurance policy. Jones Group Insurance Services' talented agents can offer you many types of healthcare coverage:
  • Indemnity Plans (or fee-for-services plans)
  • Cafeteria/Flexible Spending Plans
  • Indemnity Health Plans
  • Basic and Essential Health Plans
  • High Deductible Health Plans (HDHP)
  • Health Savings Accounts (HSA)
  • Managed Care Plans
  • Health Maintenance Organizations (HMOs)
  • Preferred Provider Organizations (PPO)
Health insurance is an expense, to be sure, but the importance of health insurance really helps defray that expense. To find you the best coverage at the best rates, we will compare plans and costs to find you the best policy for you and your family's needs.
Remember, medical expenses are higher than ever, so if you have to be hospitalized for any reason, your costs are going to be a lot higher than you might have anticipated. They could be so high that you simply can't pay them, and bankruptcy is your only recourse. It doesn't make sense to go bankrupt and ruin your financial future just because you didn't buy affordable health insurance.

Dental Plan — Jones Group Insurance Services in Marietta, GA

Dental Plan

This plan is part of one of the largest dental networks in the country. This insurance company has 1.8 million current members and over a 90 percent renewal rate on its dental plans. Members love this plan!
Benefits included at "no charge":
  • Two routine cleanings per year
  • X-rays
  • Most fillings
  • CareMark Prescription Drug Card
  • Coast to Coast Vision Discount Card
Examples of co-pays:
  • $5 Office visits
  • $5 Extractions
  • $5 Second opinions
  • $245 Crowns (compared to $800-$1200) $250 Veneers
  • $125 Bleaching
  • $800 Dentures (complete set - upper & lower)
  • $1850 Braces (24-month treatment)
  • $39.95 Single
  • $57.95 One + dependent or roommate
  • $79.95 Family
  • +One Time $55 enrollment fee
  • It's a true co-pay insurance plan (not a discount plan)
  • No long term contracts like discount plans
  • No deductibles
  • No underwriting or pre-existing conditions
  • There are no waiting periods
  • No dollar limits or age limits; premium will not increase with age
Please contact Jones Group Insurance Services at 888-492-8092 or email for more information!

Medicare Supplement Insurance — Jones Group Insurance Services in Marietta, GA

Medicare Supplement Insurance

The Importance of Medicare Supplement Insurance

Medicare and private insurance companies have teamed up to help reduce the out-of-pocket medical expenses that plague many seniors. This coverage is called Medicare Supplement Insurance. There are four parts to Medicare.
  • Part A = Hospital Insurance (Inpatient Hospital Care and Hospice)
  • Part B = Medical Insurance (Doctor Visits and Preventative Care)
  • Part C = Medicare Advantage (Private Insurance Company Coverage, approved by Medicare)
  • Part D = Prescription Drug Coverage

Medicare Supplement Insurance: What it is and how you use it

Medicare Supplement Insurance helps you pay medical expenses that are not covered by Medicare. There are several different supplement plans, and each serves a different purpose. Medicare Supplement Insurance helps you pay more of your medical bills, so that you will have little to no out-of-pocket costs to pay to doctors, hospitals or pharmacies.
Many private insurance companies are Medicare Supplement Insurance providers. To use these plans, you simply give your doctor, hospital or pharmacy your Medicare card and your Medicare Supplement Insurance card(s). They will first bill Medicaid to see what will be covered. Anything that is left will be sent to your Medicare Supplement Insurance Providers. These policies together will usually pay all or most of your medical expenses, so that you don't have to worry about hefty bills and other out-of-pocket expenses besides your premiums. Some Medicare Supplement Insurance Providers have even made this easier by allowing the doctor or hospital to bill them directly, paying the full amount and then sending Medicare a bill for their portion of the expenses, which Medicare then pays.

Why You Need Medicare Supplement Insurance

Medical expenses in the 21st century can skyrocket quickly. With many seniors living longer than they used to due to better medical care, this equates to those living on pensions and Social Security being strapped by medical bills that they cannot pay. An unfortunate number of people even find themselves choosing between food and their prescription drugs. Since seniors often have more medical expenses than the general public, having Medicare Supplement Insurance is almost as important as having Medicare itself.

What Medicare Supplement Insurance Costs You

What Medicare Supplement Insurance costs you will vary depending on your state, age, health and other factors. We can provide you with a quote for multiple companies simply by filling out our quote request. There are many plans available, and it is best for you to discuss the coverage with Jones Group Insurance Services, either in person or on the phone. We will be able to advise you on coverage, rates and enrollments that meet your budget and your needs. Although you will have to pay a premium, it will be helpful during the coming years as your medical expenses rise in order to keep you in good health. There are also plans to help cover your prescription drug expenses.
Medicare Supplement Insurance is an individual choice, but one that can save you money in the long run. If you have the means to keep up with the premiums, you will have the security and peace of mind knowing that when big bills arise, you will have more than just your Medicare plan to rely on. You will be able to control and plan your costs, which is becoming more and more important in the current national economic situation. If you are on a fixed income, it is imperative.

Life Insurance — Jones Group Insurance Services in Marietta, GA

Life Insurance

Term life insurance, whole life insurance, universal life insurance, variable life insurance, survivorship insurance ... the list and combinations seem endless. Do you know which life insurance policy type is right for you? At Jones Group Insurance Services, we can help. Our dedicated team of life insurance professionals understands Georgia's market and regulations and can find the right plan – or a mixture of plans – for your specific needs.

Term Life Insurance Basics:

  • Coverage for a "term" or period of your life
  • Lower premiums for a higher coverage
  • Rates can change after specific terms expire
  • No equity – cannot be used as cash value

Permanent Life Insurance Basics:

  • Exactly like it says – permanent, not for a specific period
  • Protection carries with you your whole life
  • Can build equity and have cash value
  • Higher premiums than term life but can be more valuable in the long run

Term and Life Together:

  • Build lifelong base of whole life coverage
  • Supplement specific times of your life with term insurance

When to choose term life insurance?

Most people choosing term life insurance have a strategy for long term net worth and need specific coverage for a period of their lives to protect debt, loved ones and children. For a homeowner with children, it might make sense to have a term life policy to cover the mortgage and living needs until their children are old enough to provide for themselves – in this case the term would expire around the time your children move out.

When to choose whole life insurance?

Whole life insurance can be used in the retirement years as cash assets. It can provide equity for loans and have fixed payments that do not increase with time. Many times whole life insurance policies will pay dividends - although not always.
With so many options, many people find themselves overwhelmed when they receive a life insurance quote. Let one of Jones Group Insurance Services' life insurance professionals put together the right life insurance policy for you.

Final Expense Insurance — Jones Group Insurance Services in Marietta, GA

Final Expense Insurance

Final Expense policies have three important characteristics:
The life insurance coverage is permanent, life insurance premiums never change and the life insurance policy accumulates cash value.
Burial insurance or final expense life insurance policy assures you coverage for the rest of your life. A burial insurance and final expense policy also gives those you leave behind the freedom and flexibility to pay the remaining expenses and debts that may be outstanding. This makes a burial insurance and final expense policy different from a burial protection policy exclusively covering burial costs. Burial insurance and final expense policies allow you to choose the coverage amount appropriate for your circumstances. You can tailor the policy to your personal needs. Burial insurance and final expense policies are simplified issue, meaning there is a short application and no medical exam.
These funeral expenses could include:
  • Cemetery plot
  • Casket
  • Headstone
  • Funeral Service
  • Visitation/Viewing
  • Minister
  • Hearse
Additional costs are often associated with the death of an individual:
  • Legal Fees
  • Debts
  • Doctor Bills
  • Debts like mortgage, car, credit cards and legal costs at death (probate, taxes, etc.)