Life & Health Insurance
Your life and your health is everything and at Valley West Insurance we understand the importance of making sure that you and your family are protected when something goes wrong! We work with award winning insurers to provide you and your loved ones with quality Life and Health Insurance Plans catered to meet your needs.
Term policies are good choice if you are looking for:
Health Insurance is vital to help you and your family manage the costs of healthcare. In exchange for a set monthly premium paid to your health insurance provider, you receive benefits which help pay for a portion of or all your health care expenses. An Individual health plan is mandatory under the Affordable Care Act and you may be assessed a penalty for not having a qualified health plan in place. Health insurance can be expensive so it is a good idea to speak with a Valley West Insurance qualified health care professional about affordable options for you and your family.
Valley West Insurance also provides health insurance plans for large groups (51+ employees). Unlike individual and small group plans, premium rates for large groups are determined by underwriting the group as a whole and not individually. Rates are based on employee participation and prior claims experience for the group.
Medicare is a Federal health insurance program for people who are 65 or older, certain younger people with disabilities and people with End-Stage Renal Disease or ESRD (permanent kidney failure requiring dialysis). There are 4 main parts to Medicare which cover specific services.