Health Insurance

Millhiser Smith Has You Covered

From scraped knees to surgeries, no one can predict what health needs they may have today or tomorrow. Our team of experienced advisors will recommend the coverage that is best suited for you, your family, and your life.

Protecting Your Future . . . Today!

Health insurance is one of the most important coverages to consider for both you and your family.

Why do I need health insurance?

Although many employers offer health insurance to their employees, not all can afford to do so. There are many reasons why a person may need to seek out their own policy. For example, healthcare costs continue to rise and serious illness or injury could financially bankrupt you if you do not have a good insurance plan. Insurance coverage provides financial protection for you and your family when you need it most. That's where Millhiser Smith comes in.

How much does health insurance cost?

Policies differ widely in coverage and cost. The experts at Millhiser Smith will help you compare a variety of health insurance plans to find the one that best suits your needs. We offer plans with calendar year deductibles that range from $500 to $5,950. You will have options of choosing plans with various co-pay amounts when you visit the doctor or perhaps a $2,000 deductible before insurance benefits begin. Some of the plans have a prescription drug card while others require your deductible to be met before coverage begins.

Can I choose my own doctor?

You have the option of choosing what kind of network best fits your needs. The networks we offer are Wellmark Blue PPO, Wellmark Blue HMO and Wellmark Blue Rewards PPO. When considering a health plan to cover you and your family, Millhiser Smith is here to help you make a sound decision.

Products We Offer:

Individual Major Medical Insurance

If you're single with no dependents, an individual health plan may be the perfect choice for you. Trust Millhiser Smith to compare our providers and select coverage that's tailored for your needs.

How can Millhiser Smith help me?

Whether you're looking for a comprehensive insurance plan, one that provides basic coverage, or something in between, we have a plan for you. You can choose from one of our several plan options designed specifically for individuals. We offer varying deductibles, coinsurance, and copayments – the higher these amounts, the less you pay in premiums.

Disability Income Policy

Accidents happen. Some are only minor, but others may impact you for a long time or a lifetime. Make sure you're covered through a disability plan from Millhiser Smith.

How will this coverage help if I'm injured?

If you're like most people, you depend on your paycheck to pay your monthly living expenses. But what would happen if you had a disabling accident or illness and could not work? Make a plan for income replacement. A Millhiser Smith disability income policy can help keep you financially stable during difficult times by paying a monthly income amount directly to you, when you are sick or hurt and unable to work.

Medicare Supplement Insurance

You've worked hard your entire lifetime. You've paid 1.45 percent of your earnings into FICA – Federal Insurance Contributions Act – which goes to pay Medicare. Your employer has paid another 1.45 percent for your portion. Yet that may not be enough.

What does Medicare cover?

Medicare is one of the most important programs available to senior citizens. But, Medicare does not pay for everything. For example, coverage for certain tests and procedures depends on where you live. And for many people, what Medicare does not cover can cause a severe strain on retirement finances. That's why it's important you have a trusted advisor like Millhiser Smith.

How does supplemental insurance help?

Medicare supplement insurance is designed to cover the gaps in Medicare, helping to pay many of the expenses Medicare does not pay. When combined with Medicare, Medicare supplement insurance provides a high level of health insurance protection. And at Millhiser Smith, we give you the flexibility to choose between different plans to meet your individual needs and budget.

Long-Term Care Insurance

When you're young, you can bounce back from a minor injury. But for older people, a single fall could be catastrophic. Are you prepared to pay for long-term healthcare after you've retired? Even if you've saved money, is it enough to pay for expensive nursing or rehabilitation care?

Long-term health insurance can help. It provides coverage for elder care – whether at home (at a lesser rate) or in a licensed facility – allowing you to preserve your estate for your heirs. It's important to plan today for the older you.

Why is long-term care insurance important?

Many healthy people eventually become frail toward the end of their lives and need care. The cause could be a physical impairment, which can be managed by medication or therapy, but cannot be cured. Or it could be a cognitive impairment, making it difficult if not impossible for you to safely interact with your environment.

Any situation can require custodial care, the cost of which could have serious consequences to your family, including your finances and retirement portfolio. These services can be most efficiently paid for with long-term care insurance coverage, to avoid depleting your savings and investments and alleviate the stress and anxiety for family caregivers. Millhiser Smith can show you the options so you can make an informed decision of what is best for you and your family.