Insuring Your Future Today
Let us help you
Home Page

Insurance News You Can Use
October 2011

Q&A:  Health Insurance Questions Answered

Q)  What are the major types of individual health insurance policies?

A) There are many variations of health insurance policies. The two most common are major medical and disability.

Q)  What is a major medical health insurance policy?

A) The most common form of individual or group health insurance is a major medical health policy. It provides benefits for sickness or injury, regardless of whether the care is provided at a doctor’s office, clinic or hospital.  The types of sickness and injury covered are broad, but there are always limitations that should be discussed with your agent before purchasing the coverage.  Major medical policies normally have an annual deductible and a lifetime maximum amount of benefits that will be paid.

Q)  Do I need an individual policy if I have group insurance at work?

A)  Maybe.  Many factors must be considered, such as:  Do I plan to remain at my current job?  What current benefits does my employer provide, and are they sufficient?  Are there certain benefits that are not provided, or that are limited in a way that leaves a gap in my coverages?  Are there members of my family who are not adequately covered, or are ineligible, for my group benefits?

Q)  What does a disability income policy do? 

Disability income is a form of health insurance that is designed to provide you with an income during the time you are unable to work due to illness or injury. 

Do you have more questions about major medical and/or disability insurance?  Send us your questions via email or contact us by phone at (515) 964-3195.

Back to Issue Home


Get An Instant Quote

Refer Referrals
We love referrals! And thank you even more for your continued business.
Policies Customer Service
Self policy service any time of the day, directly from our website.
Newsletter Join Our Newsletter
Stay in touch with the latest events, news and offers we have.
Compare Auto Insurance Quotes and Compare Home Insurance Quotes with AgentInsure

Knowledge and Expertise

About Us 

Maschoff Insurance Agency is a professional, independent agency with the customer in mind. We have relationships with dozens of insurance companies, allowing you to get the right price with the right service.


Our Latest Blogs

Read More Read More Read More
Our Office Connect With Us

Main Office

2805 SW Snyder Blvd
Suite 105
Ankeny, IA 50023

Get Directions

Contact Us Today!

PH: 515.964.3195
FX: 877.317.3195
Email: info@
Our Employee Directory
  Facebook Twitter LinkedIn
Your Trusted Advisor
Home Get A Quote Customer Service Resources About Us Contact Powered by Insurance Website Builder