Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments.
 
Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.
 
For more details on our specialized insurance plans, speak with our insurance experts at (615) 371-5409.

Life Insurance is the foundation of financial security for you and your family. It protects your financial resources against the uncertainties of life so you can plan for the future.
 
To learn more about our customized insurance plans, contact us or simply fill out our no-obligation Quote Form.

It takes only a few minutes to get a health insurance plan but what is important is to get the right plan. After all, you don’t know when and how you’re going to need it.
 

Sinclair-Whitely offers a wide variety of health plans including individual and family health insurance, group health insurance, HMOs, PPOs, POS, HDHP/HSA, indemnity plans, short-term health insurance plans, dental health insurance and international travel health insurance.
 

Our comprehensive health insurance plans and policies, combined with free online health insurance quotes and live agent support, enable you to choose coverage that is right for you.
 

Our simple, no-obligation Quote Form makes it easy to secure individual and family health insurance quotes online, and to find a health insurance policy that protects your needs and the needs of your loved ones without burning your pockets!
 

For details, call us or discuss your requirements with our agents online!

Did you know that the cost of hiring good employees is much more than the cost of retaining them? While most companies ensure employees are financially happy and well-rewarded, there are a number of fringe benefits that you, as an employer, should be offering in order to attract and retain the best employees.
 

By providing your employees with flexible health insurance options, you can benefit in two ways: you and your employees get instant access to cost-effective insurance, and your employees would feel that they work for a caring organization where their welfare is taken seriously.
 

Group Health Insurance helps your employees pay for routine health care expenses, including regular physical exams, prescriptions and preventative care. It also helps them pay for medical expenses in case of serious illness or injury.
 

Group Health Insurance is of the following types:

• Traditional, or Fee for Service (FFS)
• Preferred Provider Organization (PPO)
• Health Maintenance Organization (HMO)
• Point of Service (POS)
• High Deductible Health Plans/Health Savings Accounts (HDHP/HSA)

Sinclair-Whitely has helped a variety of businesses find the right group health insurance plan for their employees.
 

Contact us at tswc@sinclairwhitely.com, or call us if you need customized group health insurance coverage for your company.
 

Your employees and their families will appreciate your efforts!

For more information please call one of our insurance professionals at (615) 371-5409 or email us at tswc@sinclairwhitely.com

For more information please call one of our insurance professionals at (615) 371-5409 or email us at tswc@sinclairwhitely.com

Did you know that Medicare Supplements fill the gap in the Original Medicare Plan coverage, and that you can pay some of the health care costs with a Medigap policy? Understanding Medicare Supplement policies are vital in determining whether they might be beneficial to you and your family.
 

Medicare Supplements, also known as Medigap Insurance, are regulated by state and federal government as compared to other insurance products that are governed only by the state. It is important to know what Medigap Insurance can do for you before buying it.
 
However, if you are covered under a qualified group health insurance plan, you need not buy Medigap Insurance at all. Also, keep in mind that not all plans are available in all areas of the state where you live.
 

There are several other factors that determine which plan fits your needs. If you need Medigap Insurance to cover your health care costs, speak with our reliable insurance specialists at (615) 371-5409, or email your requirements to tswc@sinclairwhitely.com and we will help you find the right health plan.

There’s a good chance that you may need to pay for nursing home, assisted living or, home health care one day. In fact, more than half of the U.S. population will require long-term care at some point in their lives.
 

If you’re concerned about being financially secure during your retirement years, you owe it to yourself and your loved ones to protect yourself against what could be the greatest threat to your financial security, the cost of long-term care.
 

For more details on our specialized insurance plans, speak with our insurance experts at (615) 371-5409.

Becoming disabled through an injury or sickness can mean a significant loss of income. Disability insurance is a form of health insurance that provides a person who becomes disabled with income to cover living expenses that continue in spite of the disability
 

For more details on our specialized insurance plans, speak with our insurance experts at (615) 371-5409.

Critical Care Insurance pays a lump sum benefit. This lump sum payment can be used for any purpose including paying bills, paying off a mortgage, for special care and treatment, and for lifestyle, occupation or habitat modifications – even if the individual makes a full recovery.
 

For more details on our specialized insurance plans, speak with our insurance experts at (615) 371-5409.

For more information please call one of our insurance professionals at (615) 371-5409 or email us at tswc@sinclairwhitely.com

For more information please call one of our insurance professionals at (615) 371-5409 or email us at tswc@sinclairwhitely.com