Disability insurance replaces your income should you become disabled and unable to work. Many people have some form of disability insurance through their employer. The employers’ policy may not be just what you need. In this case, you will probably want to supplement the employer’s policy with an individual policy of your own.
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Clark Insurance Agency
Our agency offers a complete line of insurance and financial products and services ranging from life and disability income to group life and health insurance. These products and services are designed to provide solutions to your personal and business financial needs, including:
- Medical Insurance
- Dental Insurance
- Group Health
- Individual Health
- Individual Life
- Key Person Coverage
- Long-Term Care
- Long-Term Disability
Medical Insurance
Employees have three medical options: Preferred Provider Organization (PPO): allows employees to use any physician in or out of the network. Benefits are paid in accordance with the provider selected.
Exclusive Provider Organization (EPO): employees choose their physician from a list of approved EPO providers. This plan is offered nationwide wherever EPO networks are available.
Our PPO and EPO plans are built around health care networks and a high level of coverage for using network providers. There are no “gate keepers.” Therefore, primary care physicians and referrals to specialists are not necessary. You have the freedom to choose any physician in the network any time.
Dental Insurance
Dental Insurance Plan helps you cover the costs of dental care for you and your family. Covered dental services include exams, cleanings, fillings, extractions as well as crowns, bridges, dentures and orthodontia.
Group Health
At Clark Insurance Agency, Inc., we are committed to health insurance for both our commercial customers, who need group coverage for their employees, as well as the individual or family that needs coverage. With the changing face of health insurance in today’s market, we are staying abreast of the latest developments that will affect the coverage you expect as well as the cost impact upon you. We have the best health insurance markets available in our area, and we will always present to our customers the best options at the best price available.
Individual Health
Individual health insurance programs are designed for individuals and families who cannot obtain health insurance through an employer. Due to the continually rising cost of medical care, it has become more important to provide health insurance for you and your families. Clark Insurance Agency, Inc. offers health insurance programs to individuals which offer extensive coverage as well as high-deductible programs which are designed to protect against catastrophic financial losses.
Individual Life
Life insurance can help you secure your family’s financial future by providing the funds they need to: cover uninsured medical bills, burial expenses, pay off your mortgage and other outstanding debts; and maintain a comfortable standard of living. We offer a variety of life insurance products, including permanent, term, variable, flexible, and whole life policies.
Buy / Sell Protection
If you have a partner in business, you have a need for insurance so that in the event of death or disability, you can buy out your partners interest without having to take out a loan or liquidate company assets. This is also important where children and taxes are involved.
Key Person Coverage
Your key employees are your most valuable business asset. Their skill, knowledge and experience are your real profit makers. Without them, the success and growth of your business could be in jeopardy. Key employee insurance is designed to protect your business from the adversities associated with the loss of a key employee, manager or executive. The death or disability of a key employee could result in a substantial financial loss due to hiring and training a replacement, lost sales, and/or slowed production.
Flexible Spending Accounts (FSA)
Employees’ needs are as varied as their lifestyles, and benefit programs need to be flexible to accommodate those differences. At Clark Insurance Agency, Inc., we not only recognize, but welcome this diversity.
There are two FSA options. A Health Care FSA is an alternate way of paying your share of your health care costs. In the same manner, a Dependent/Child Care FSA reimburses you for expenses for dependents and childcare which are necessary to allow you and your spouse to work. When you create an FSA, you choose to have a specific amount of your annual salary withheld from your paycheck and deposited to your FSA. These withholdings are on a pre-tax basis.
Flexible Spending Accounts (FSA’s) are benefit options designed to increase your disposable income by reducing the amount of taxes you pay. An FSA enables you to use pretax dollars to pay for qualified health care expenses which are not reimbursed under any health care plan or insurance plan, and for qualified dependent/child care expenses.
Long-Term Care
Long-Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age.
Rising life expectancy means that the potential need for “long-term care” grows with every passing year of your life. The likelihood is that you or a member of your family will need long-term assistance due to a prolonged illness, a disability, or general deterioration of your health and ability to perform routine daily activities. Most long term care expenses are not covered by Social Security or Medicare, Medicare Supplement (“Medigap”), or private health insurance. Medicaid pays for nearly half of all nursing home care, but you must meet federal poverty guidelines and may have to “spend down” most of your assets on health care.
Long-Term Disability
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Frequently Asked Questions
We provide a comprehensive range of health insurance options to cater to diverse needs. Our offerings include Medical Insurance with Preferred Provider Organization (PPO) and Exclusive Provider Organization (EPO) plans, Dental Insurance covering various services, Group Health plans for both commercial customers and individuals, and Individual Health insurance programs tailored for those without employer coverage. We stay abreast of market developments to offer the best options at competitive prices, ensuring you receive optimal coverage for your health needs.