Life & Health Insurance
Life & Health Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Life & Health Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Life & Health Insurance Information
Health & Life Insurance
For Cleveland, Beachwood And Areas Across Northeast Ohio
You want to be able to protect your wellness and financial security throughout your life. You also want to have a support system in case you become critically ill or even pass away suddenly. Quality health or life coverage can help you meet those goals. It doesn't matter how old or young you are, your long-term security can be better assured by investing early in these critical types of coverage.
Busha-Okeson Insurance offers numerous health and life insurance benefits options for everyone—both businesses and families. Contact us with all of your questions about benefits assistance.
Health care costs Ohioans around $8,700 per year, per capita, and is one of the most-expensive household costs nationwide. By having coverage, you'll reduce your personal cost burden for essential medical care, from hospitalizations to routine checkups. Available plans include:
- Personal Health Insurance: If you need to insure yourself and your family, we offer numerous plans through both the Affordable Care Act marketplace and through private plans.
- Group Benefits: Employers who want to offer quality benefits packages can turn to us. We offer plans that contain fair cost-sharing and provide essential services among all covered enrollees.
- Short-Term Health Plans: Those who need health benefits for a limited time, such as someone who is waiting to enroll in another plan, can still receive benefits in the interim.
- Travel Medical Insurance: This plan provides coverage for both emergency and routine care you might need overseas. You need it because your regular health plan won't work outside the U.S.
- Medicare Supplementals (Medigap): Medicare participants who want coverage for outstanding costs — such as co-payments, deductibles and coinsurance obligations — can enroll in a Medigap plan.
- Medicare Advantage Plans: If you are enrolled in Medicare, but want additional benefits, you might turn to a Medicare Advantage plan. Your plan can offer all Original Medicare benefits, in addition to coverage for dental, vision and prescription drugs.
Health Insurance Frequently Asked Questions
How much is health insurance a month for a single person?
Nationally, the average premium for a single insured party is about $400 per month. How much you pay exactly will vary considerably based on where you live, the type of coverage you select, and other factors — such as your history of tobacco use and how many people will use the plan.
Can you get health insurance anytime?
You can buy a health insurance plan almost any time. However, if you want certain types of plans, you must enroll during certain time periods. For example, if you want a plan that is compliant with Affordable Care Act regulations, you can only enroll between November 1 – December 15 each year unless you qualify for a special enrollment period.
Can I buy my own health insurance?
Adults who don't want to take their employer’s health insurance benefits can enroll in their own plan. Doing so often allows you to choose the coverage you want. However, employer-sponsored plans are often cheaper than self-funded plans, because employers often split the cost with participants.
Life insurance lets enrollees insure themselves with a value of money, to be paid to survivors upon the insured person’s death. This benefit that allows you to leave money behind to survivors of your choice:
- Term Life Insurance: These policies last only for a certain number of years — 10, 20, 30 etc. If you do not die during the policy term, then the policy will go away.
- Whole Life Insurance: Once you enroll in this coverage, it lasts indefinitely, as long as you pay for it. These policies also offer cash value benefits, which allow you to build an account of money that you use in various ways, like as a premium fund or source of retirement income. There are various types of whole life policies, so speak to your agent about your coverage options.
We also offer family life insurance plan options. If you want to insure your entire family under the same life insurance policy, we can expand certain policies to include spouses and children.
Life Insurance Frequently Asked Questions
How does life insurance work?
When you sign up for life insurance, you will name a beneficiary. This is the person who receives the life insurance death benefit upon your death. When you die, the insurer will then examine the claim and determine if they can pay your beneficiary. If your beneficiary is an individual, then they can use the money as they see fit unless you have attached certain requirements to the policy on how to spend it.
At what age should you get life insurance?
The earlier you get covered, the better. Policy eligibility and costs relate directly to your overall health and your risks of death. If your health declines with age, it might be harder to find affordable coverage.
Which is better: Term life or whole life insurance?
Term policies are often cheaper, and they are good investments if you only want coverage for a certain number of years. On the other hand, though whole-life policies are usually more expensive, they provide incentives like the cash value benefit and long-term sustainability.
What is the average life insurance cost per month?
As with all insurance policies, an individual's life insurance premium will vary based on numerous risk factors, including the type of policy you choose and the size of your death benefit. Speak to your Busha-Okeson Insurance agent about the policy that offers the best value for the provided coverage.