Experient Health Takes On Critical Illness Insurance In Latest Blog Post

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The health insurance arm of the Virginia Farm Bureau explains critical illness insurance as part of its mission to educate the community on health care and insurance programs and changes.

Experient Health has experienced professionals who help guide individuals through buying an Individual Health Insurance Plan.

Heart attack, stroke, cancer and other illnesses can affect not only a person's health, but also their financial security.

Those medical issues, often deemed critical illnesses, and the expenses associated with them often "reportedly lead to more than half of all bankruptcies in the United States," Experient Health, the health insurance arm of the Virginia Farm Bureau, wrote in its latest edition of its Blog series explaining benefits. "When faced with a severe illness and the accompanying medical costs, critical illness insurance can help."

Experient Health, headquartered in Richmond, Va., launched its Blog series in 2013 to help educate the community on health and wellness tips, preventative medicine, insurance options and changes resulting from health care reform.

The recent critical insurance piece is part of the "Know Your Benefits" series.

"Critical illness insurance is offered as a voluntary benefit by some employers to supplement your regular medical coverage," Experient Health wrote. "This insurance is designed to cover out-of-pocket expenses not covered by your health insurance, such as your deductible and co-pays as well as many out-of-network charges."

Illness often result in extended time away from work, and critical illness benefits can offset some of those lost wages and help pay routine living expenses such as child care, transportation and rent or mortgage payments.

Critical illness insurance provides coverage for acute illnesses that can be financially catastrophic. Plans specify a distinct list of conditions that will be covered. Although some plans only include a few of the most common critical illnesses, other plans provide benefits for as many as 20 or more.

Illnesses that could be covered include, among others, cancer, heart attack, stroke, kidney failure, multiple sclerosis and coma.

"Because this insurance is a voluntary benefit offered by your employer, you will likely receive a group discount, and your premium may be paid through an automatic payroll deduction," Experient Health explained.

Read more about critical illness insurance and other benefits available through Experient Health here.

About Experient Health:

For years, Experient Health, a Virginia Farm Bureau company, has helped people find the right insurance coverage and get the most for their health care dollars. The Richmond, Va.-based group is dedicated to providing high quality health insurance options to customers in Virginia, Maryland, and Washington DC. As a result, its consultants, with an average of more than 20 years experience, are intimately familiar with the states’ provider networks, products and regulations.

Representing the top national insurance carriers, Experient Health provides customers with multiple policy options designed to meet wellness needs and financial requirements.

Experient Health grew out of Virginia Farm Bureau and is a “hometown agency” in that it operates a network of more than 100 offices. However, it boasts the resources and technology of larger firms.

Consultants are available online, via phone and through their offices.

Learn more at http://www.experienthealth.com, utilize the online health insurance quote calculator or contact a consultant directly at 855.677.6580.

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Brad Spence
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