Family

Delaying the purchase of life insurance when you have a family can have terrible consequences. The longer you wait, the more you leave your family open to financial risks. When illness or accidents happen to you before you purchase a policy, you can be left uninsurable. The inability to secure the coverage you need can take a heavy toll on the entire family.

Term Life Insurance

Rely on HPIB to help you select a term life insurance policy, which would pay a benefit upon your death. This amount could then be utilized to pay off a mortgage, pay for college, or to provide for whatever other expenses you may have in the event of your death.

A 5, 10, 20 or 30-year term-life policy, or a combination of these, can help provide your family the protection it needs in case of your untimely death. These flexible policies can even include living benefits that cover the insured for chronic and critical illnesses.

Whole Life Insurance

A whole life policy is a permanent insurance policy that provides coverage for life. Whole life policies offer guaranteed premiums, guaranteed face-value and a guaranteed cash value for the length of your life.

Universal Life Insurance

For affordable lifetime coverage and the ability to invest for retirement, Universal Life Insurance is an option. ULI policies provide the greatest flexibility of premium amount, face amount, and policy duration of all life insurance products.

Final Expense Insurance

HPIB provides peace of mind to your family by providing coverage for the costs of any debts or final expenses related to your funeral. This is one less thing for your family to worry about.

Dental

With HPIB, affordable dental plans and policies are available that cover preventative care (such as routine cleaning), basic care (like check-ups), and major care. Benefits beyond the basic dental plan include orthodontist visits, dental care services such as whitening. We can find dental discount plans that may be more suitable for you if a full dental plan is not what you need.

Vision

Did you know that eye health plays a vital role in your overall health and wellbeing? We can help you find coverage to handle your family’s needs for vision correction such as astigmatism, bifocals and general vision appointments. HPIB reviews multiple policy options, so that your family can get the coverage that is right for them.

Accidental

A generous lump-sum cash benefit paid directly to you can help cover expenses during your recovery process. Accidents never happen when we expect them, but your family can prepare by getting an accident insurance plan.

Critical Illness and Cancer

If you or a loved one is dealing with a serious or terminal disease such as advanced heart disease, stroke, a coma, or ALS, you shouldn’t have to worry about the stress of unpaid bills getting in the way of recuperating. These plans are designed to pay a lump-sum cash payment to you upon diagnosis of cancer or critical illness.

Hospital Confinement Plans

You can ease the financial impact of hospitalization with a hospital confinement plan. This plan pays a lump sum and/or daily benefit to you if you are hospitalized due to an accident or illness, reducing the financial burden on you or other family members.

Disability Plans

Disability insurance can offer a source of financial security to family if you are unable to work due to illness or injury. The benefits are typically paid out in monthly installments.

Long Term Care Plans

A long-term care policy protects your life savings and ensures you receive the care you need at the time you need it most. Long-term care insurance can even be used at home, and traditional facilities such as assisted living and nursing homes.

Fixed Indemnity Plans

A majority of families experience unnecessary financial burden from out-of-pocket expenses and other charges, such as deductibles and coinsurance. Fixed Indemnity plans provide a scheduled cash benefit for a variety of medical expenses such as hospital stays, emergency room visits, MRI’s, and outpatient procedures.

HPIB can bridge the gap when you are undergoing a period of transition so that you remain covered with flexible health insurance.

Direct Primary Care can be a great option to cover your day-to-day needs and dealing with chronic illnesses. Focusing on disease prevention, DPC doctors combine virtual care and telemedicine for constant access and a stronger direct-patient relationship. DPC may be the right low-cost option for your family.

Members whose medical expenses are covered under their cost-sharing plan or selected family program or plan can submit their medical bills to the healthshare. Bills are then shared or reimbursed under the guidelines of the selected program.