Life, Health, & Medicare Solutions
Yourself, your family, and your business are important assets in life that need protection. Unfortunately, unexpected events can happen that you should be prepared for. Be proactive and set your family up for success in case of an untimely tragedy. Yuma Insurance, Inc. is a locally owned and operated insurance agency in Yuma, AZ, that provides affordable options for health, medicare, and life insurance policies from various carriers.
Life Insurance Solutions
Having a proper life insurance policy can give you and your family reassurance that finances and beneficiaries will be secure in the event of an untimely passing. Your life insurance policy not only creates peace of mind but can be used to pay off debts and estate taxes, provide money for continuing mortgage payments, and keep a family business afloat.
Life Insurance Options
Individual Life Insurance
You have several different coverage options with Yuma Insurance, Inc.
- Final Expense
- Mortgage Protection
- Universal Life
- Level Term Life
- Whole Life
If your employer offers a group life insurance policy, you can add your family members as beneficiaries. Employees look to employers to provide that valuable coverage not only for themselves but also for their families in the event of an untimely passing.
Protect your right to work while you are unable to work due to injury or illness. With Yuma Insurance, Inc. disability insurance you will be eligible to have 50-70% of your income covered.
Medicare is a federal health insurance program for people 65 and older or those under 65 with significant disabilities. Yuma Insurance, Inc. can assist you through the process of enrolling for Medicare and advise you on which plan would be the best fit.
Health Insurance Solutions
Similar to life insurance, health insurance can provide assurances that financial hardship will not arise if you or a family member need medical assistance. For business owners, having a good health insurance package is key to gaining and retaining a good workforce.
Health Insurance Options
Individual & Family Health Insurance
Yuma Insurance, Inc. has various types of individual and family insurance options:
- FFS (Fee-for-Service)
- HMO (Health Maintenance Organization)
- PPO (Preferred Provider Organization)
- POS (Point-of-Service)
- HSA (Health Savings Account)
Group Health Insurance
We offer group health insurance for small to medium-sized businesses.
We offer indemnity plans with Fee-for-Service (FFS)
Managed Care Plans which include Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point-of-Service (POS).
Provide your family or employees with high-quality dental benefits such as:
- Traditional Indemnity
- Dental Health Maintenance Organization (DHMO)
- Preferred Provider Organization (PPO)
Work with us to develop a vision plan that works for your family or employees. This can be added as a supplement to an individual or family health Insurance policy.
Stay covered from out-of-pocket expenses associated with optical needs like contacts and glasses.
Long-Term Care Insurance
Long-Term Care Insurance (LTC) helps with the medical expenses of extended home health care or nursing home costs beyond a specified period. Typically, individuals who require Long-Term Care are those who can no longer take care of themselves and are unable to perform the basic activities of daily living without assistance.
Coverage can include:
- Home Care
- Assisted Living
- Adult Daycare
- Hospice Care
- Nursing Homes
- Respite Care
Temporary Health Insurance
If you are not currently insured with a standard health policy, you are still eligible for benefits.
You may qualify for Temporary Health Insurance if you:
- Have a gap in health insurance as a result of switching jobs
- Are waiting to receive benefits from your current employer
- Have recently graduated and are looking for employment
- Maintain a seasonal or temporary position
Cover any gaps in your health insurance policy with Supplemental Insurance. This can include coverage for deductibles, co-pays, high living expenses, loss of income due to injury or illness, and medication payments.
Types of Supplemental Insurance:
- Medicare Supplemental Insurance
- Maternity Supplemental Insurance
Protect your right to work while you are unable to work due to injury or illness. With Yuma Insurance, Inc. disability insurance, you will be eligible to have 50-70% of your income covered.
Medical Expense Insurance
This can relieve the burden of high medical expenses that you cannot afford.
Types of Medical Expense Insurance:
- Basic Medical Expense
- Major Medical Expense
Child Health Insurance
Every child deserves medical care even if parents cannot afford traditional health insurance. In some circumstances, you may qualify for Child Health Insurance which covers physician visits, dental and vision services, prescription coverage, and more.
Travel Health Insurance
Frequent travelers or out-of-country travelers should consider Travel Health Insurance as an additional policy. This will ensure you can afford medical care if an accident or illness occurs.
Avoid the weight of high prescription costs and get the medication you need at a reasonable price with Prescription Insurance.
Health Savings Accounts (HSAs) are an alternative to health insurance plans that allow you to put money aside for medical expenses. You control how much is put aside and it’s tax-free!