Health Insurance - NM Life Health
Links to online quotes and brochures / presentations. Not all companies have online quoting, to get more comprehensive quote, use our Quote Form.
Major Medical / Catastrophic Plans
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UnitedHealthOne is issued by Golden Rule. United
Health One and Golden Rule are both long trusted names in health
insurance.
UnitedHealthOne offers a variety of health insurance plans, with & without Dr's office copays, with and without Outpatient coverage, with and without Health Savings Account qualifications and more. They also have short term and dental. Get an instant online quote. 
Presentations / Brochures
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American National Life Insurance Company of Texas (ANTEX) Individually Underwritten Association Group Catastrophic Hospital Insurance Coverage ANTEX offers 2 basic plans in New Mexico, an HSA qualified and non-HSA qualified plan. Each offers difference in coverages. The HSA offers the lowest premiums, and we often advise clients to combine this policy with an indemnity supplemental plan to provide better coverage, at generally lower monthly costs. ANTEX polices are Association / Group policies, individually written. To obtain this insurance you need to be a member of NCAA. NCAA has 2 membership levels each offering a number of additional membership benefits. NCAA benefits are described in the brochure below.
For a quote, fill out our Health Quote request form or contact us. |
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| Critical Illness | ||
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Today, you have a good chance of surviving a Critical Illness - Physically, but would you survive it Financially? Even with a good major medical plan covering most of your medical costs - if you suffered from a heart attack, stroke, cancer or other critical illness there are other financial costs then just medical. Such as: Loss of income from time off from
work Then there are the health insurance deductibles, co-insurance. If you suffer a covered health issue, would you rather be sent a get well card, or a check for, say, $50,000 ? LifeStyle Protector from Colorado Banker's Life will pay you, directly (over what your health insurance pays for medical costs), 100% of the amount of coverage you buy for the following critical illnesses Invasive Cancer - Heart Attack - Stroke - End-Stage Renal Failure - Major Organ Transplant - Terminal Illness - Advanced Alzheimer’s Disease - Loss of Independent Living - Loss of Limbs - Major Burns - Paralysis 25% of coverage for: 10% of coverage for: Death from any cause is a 100% benefit. (Except suicide during the first two years.) This is the most comprehensive (in terms of types of critical illnesses covered) Critical Illness policy I, as an insurance agent, has ever seen. It is a combination of Critical Illness and Term Life insurance. And, I highly recommend this policy as a supplement to any health insurance policy.
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| I can offer UA products, however, I am still assessing their plans. Their individual health plans have low limited benefits and I do not feel comfortable offering these to my clients. However, I am still studying a few plans to see if they can be combined with other coverage from other carries to create an overall plan. But, at this time, I am not promoting their plans. | ||
| Travel Medical Insurance | ||
| Dental Insurance | ||
DENTAL INSURANCE - Click Here
Group Insurance benefits - written for individuals and families |
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| Rx Prescription Card | ||
Rx Prescription Card
$10 Generic / $20 Branded |
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(Under Construction - information to be posted soon)
Short
Term Medical : Cobra Alternative / College Grads / Between Jobs /
New Hires / etc 30 days to 12 months +/a>a>/a>
"Determining Your Health Insurance Needs"
What Type of Health Insurance Do You Really Need?
Major Medical / Catastrophic
[High vs Low Deductible]
HSA -(Health Savings Account)
and/or Other Alternatives
Which is best for your individual needs?
Certain types of insurance can be fairly straight forward to shop for on your own if know what you want.
But, when it comes to health insurance there are so many different types and sub-types of plans, so many varieties, so many levels of coverage, types of coverage, so many options, so many ways to mix and match and customize. It can get complicated even for medical doctors or the very tech savvy person.
Many people end up either paying for features they don't need, or not getting the insurance they though they were getting, or getting too little coverage for their needs. Don't hesitate to call/email us and ask questions. NMLifeHealth will gladly take the time to educate our clients so you can make knowledgeable choices.
For more info: "Determining Your Health
Insurance Needs"
Learn more about
Health Savings
Account
Cancer /
Critical Illness / Accident Indemnity plans have their own page (click
this line)
(Supplemental health policies typically pay cash directly to you on
diagnosis of a covered critical illness, cancer or accident)
Short Term Medical Insurance (30 days to 12
months) has it's own page (click this line)
(Short Term health insurance is used by various people in a number of
situations. As an alternative to higher priced COBRA plans when between
jobs, or to insure college grads when they no longer qualify under
parents policies, but are not earning their own income yet to afford
their own coverage. And many other reasons)
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Make sure that the choice you make is the best
performance/cost plan that suites your needs.
I am available to you on the phone or via email and will discuss
the various options so that I can help you choose and customize
the best plan for you.
Agent: James Beals
State of New Mexico
Life, Health & Annuity Insurance Lic# : 212879
National Producer's # : 8196228
505-299-0254
Email :