Other Insurance | Harshman Insurance Agency

We have other insurance offerings that will help you take the worry out of life.

There are a variety of life insurance policies that we can provide. The kind of policy you choose depends on your needs during different stages of your life:

Dental / Vision Insurance

Dental insurance covers preventative dental and some comprehensive coverage. Vision Insurance covers your yearly exam and a portion of glasses or contact lenses.

Short Term Home Health Care

Because, like most Americans, you would prefer to recuperate at home. These plans include coverage that can be done at home rather than in a physical rehab facility or nursing home.

Long-Term Care

Long-term care (LTC) is coverage that provides nursing-home care, home-health care, personal or adult day care for individuals age 65 or older or with a chronic or disabling condition that needs constant supervision. LTC insurance offers more flexibility and options than many public assistance programs.

Hospital Indemnity Plans

Hospital indemnity insurance is a supplemental insurance plan designed to pay for the costs of a hospital admission that may not be covered by other insurance.

It is best to talk with an Agent to discuss the different plans that will cover the plan that works best for your medical needs.

Plan A

Plan A (hospital insurance) covers hospital services and supplies that are medically necessary to treat your hospital stay.If you worked 40 quarters (10 years) you will not have a premium for Part A. There is a fee, depending on quarters work.

Medicare Part B

Medicare Part B (medical insurance) is part of Original Medicare and covers medical services and supplies that are medically necessary to treat your health condition. This can include outpatient care, preventive services, ambulance services, and durable medical equipment. Medicare covers 75% you are responsible for 25%. The fee for Part B is dependent on your income.

Supplemental Plans

These policies are also known as Medigap or MedSupp. These Insurance plans help cover certain out-of-pocket costs that Original Medicare, Part A and Part B, doesn't cover

Plan A

Plan A, for example, is the same across every insurance company that sells Plan A, regardless of location. If you worked 40 quarters (10 years) you will not have a premium for Part A. There is a fee, depending on quarters work, for Part A.

Medicare Part B

Medicare Part B (medical insurance) is part of Original Medicare and covers medical services and supplies that are medically necessary to treat your health condition. This can include outpatient care, preventive services, ambulance services, and durable medical equipment.
Advantage Plans

A Medicare Advantage

A Medicare Advantage plan is a private health insurance plan approved by Medicare. You may opt to get your Part A, B and D benefits from a Medicare Advantage plan instead of traditional Medicare. Originally called Part C, these Medicare private insurance plans usually have an HMO or PPO network of doctors.

It is best to talk with an Agent to discuss the different plans that will cover the plan that works best for your medical needs.

Types of instive Insurance

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Car Insurance

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There are a variety of life insurance policies that we can provide.

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Maria Marlin Retired Govt Officer, ON, Canada

Very helpful fully explaining the different plans. Cash value is accessed via loans, which accrue interest and reduce cash value our valuable items.

Maria Marlin Retired Govt Officer, ON, Canada

Very helpful fully explaining the different plans. Cash value is accessed via loans, which accrue interest and reduce cash value our valuable items.

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