Individuals, Families, & Self-Employed Professionals

Our company provides quality PPO medical insurance plans for every need and budget. We specialize in affordable health insurance solutions for individuals, families, self-employed persons and small businesses (up to 50 employees). We offer you the peace of mind in knowing that your health insurance plan is covering you 24 hours a day, seven days a week, 365 days a year, on or off the job.

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Senior Insurance

Seniors 65 years and older probably realize that Medicare may not cover all their medical expenses. Fortunately, Medicare supplement insurance or Medigap can help ease their worries by filling in some of the gaps left by Medicare coverage. Senior Medicare Supplemental Insurance provides great protection for people 65 years and older. Nine out of ten Medicare beneficiaries obtain additional insurance coverage to supplement their Medicare benefits.

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Long Term Care

Long-term Care Insurance is important health insurance coverage for everyone. It is never too early to start planning ahead. The present is the best time to start planning for the future. How many of us consider the possible financial hardship that could be placed on ourselves or our loved ones, by a need for long-term care? No matter what your age, you need to understand the basic facts about long-term care and the advantages of having long-term care coverage. You can help protect your future with a long-term care insurance policy.

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Bob Howell
Licensed Agent
Certified Senior Advisor

What Do You Really Need?

The Catastrophic Event

First and foremost, everyone absolutely needs to be covered for a catastrophic event. Just consider 9/11 and Hurricane Katrina, and you will understand the need for this type of insurance. With ever escalating costs associated with medical care, especially critical care, it is crucial for a person to evaluate medical and critical care insurance plans while assessing personal needs.

Policy Maximums

All true insurance plans have them. The plan maximum refers to the most an insurance plan will pay in total, no matter what the circumstances are. Some plans have individual lifetime maximums, some have family lifetime maximums and some have annual maximums for either the family or per individual.

With the present state of escalating costs of health insurance, an individual should be looking for a plan that has the highest maximums that he can find. It is our strong recommendation at Howell Health & Life Insurance that you cover your family with at least $3,000,000 - $5,000,000 per person. Howell Health & Life Insurance has plan designs that give you the coverage that you need for the catastrophic event.

Maximum Out-Of-Pocket/Stop-Loss

The "Max Out-Of-Pocket" refers to the most that an insured individual will pay in deductibles and coinsurance in any given year, no matter how large his medical bills are up to the plan maximums, of course. If you are currently in a medical plan or considering a medical insurance plan that does not have the "Max Out-Of-Pocket" and "Coinsurance Stop-Loss" stated clearly and understandably in writing, you may be in for a rude awakening. With Howell Health & Life Insurance plan, you can design your "Max Out-Of-Pocket" and "Coinsurance Stop-Loss," that will not only be clearly stated, but will help determine the maximum amount of the policy.

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