Email:
selena@selenawitherspoon.com
Phone:
888-735-3620
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Stay Informed, make better choices for you and those you love the most
Preventive Care
Stay Healthy, Stay Protected
At Selena Witherspoon Insurance, we believe that prevention is the key to long-term health and well-being.
That’s why we are proud to highlight the Preventive Care services included in most health insurance plans, designed to catch health issues early and help you maintain a healthier lifestyle.
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What is Preventive Care?
Preventive care includes services that can help detect health problems before they become serious. Most health insurance plans, including those under the Affordable Care Act (ACA), offer these services at no extra cost to you—making it easier than ever to stay on top of your health.
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Covered Preventive Services Include:
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Free Physical Exams: An annual check-up helps ensure you're in good health and allows your doctor to detect early signs of conditions like diabetes, heart disease, and cancer.
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Free Flu Shots: Flu shots are available yearly, reducing your risk of getting the flu and helping prevent the spread to others.
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Free Pap Smears: For women, pap smears can detect cervical cancer early, offering the best chance for successful treatment.
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Free Mammograms: Early detection of breast cancer through regular mammograms can save lives by identifying potential problems before symptoms arise.
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Free Prostate Screenings: Men can receive prostate screenings to detect potential issues with the prostate, including prostate cancer.
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Why Preventive Care Matters:
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Catch Problems Early: Preventive services like screenings and exams help catch issues early when they are most treatable.
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Stay Healthier Longer: Regular check-ups help you maintain good health and avoid preventable conditions that can impact your quality of life.
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Lower Healthcare Costs: By catching issues early, preventive care can reduce the need for more expensive treatments later on, saving you money.
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Want to make sure you're taking advantage of your
preventive care benefits?
Contact me today, and I'll help you navigate your plan to
ensure you’re covered!
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The Affordable Care Act (ACA)
Understanding the Affordable Care Act (ACA)
The Affordable Care Act (ACA) has made significant strides in improving access to affordable healthcare for millions of Americans. If you're looking for comprehensive health coverage, understanding the benefits and protections under the ACA can help you make the best decision for your health and financial well-being.
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What is the Affordable Care Act (ACA)?
The ACA, also known as Obamacare, is a healthcare reform law designed to make health insurance more affordable, accessible, and comprehensive for individuals and families. It includes provisions that protect consumers, reduce the number of uninsured people, and regulate insurance providers.
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Key Benefits of the ACA:
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Pre-Existing Conditions: The ACA ensures that insurance companies cannot deny you coverage or charge higher premiums because of pre-existing conditions, such as diabetes or heart disease.
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Essential Health Benefits: ACA-compliant plans must cover essential health benefits, including hospital visits, prescription drugs, mental health services, maternity care, and more.
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Preventive Care Coverage: Preventive services, including screenings, vaccines, and wellness checks, are covered at no extra cost under ACA plans.
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Subsidies & Tax Credits: Depending on your income, you may qualify for subsidies or tax credits that lower your monthly premium costs, making insurance more affordable.
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No Lifetime or Annual Coverage Limits: ACA plans cannot impose limits on the amount of care you can receive over your lifetime, protecting you from financial ruin in case of serious health issues.
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Why ACA Coverage is Important:
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Affordable: With subsidies available, ACA plans are often much more affordable than other types of coverage, particularly for low- and middle-income individuals and families.
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Comprehensive: ACA plans cover a wide range of health services, giving you peace of mind knowing you're covered for unexpected medical expenses.
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Financial Protection: The ACA ensures you're protected from excessive healthcare costs, allowing you to focus on getting the care you need.
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Interested in learning more about ACA health insurance plans
and how they can benefit you?
Contact me today to discuss your options and see if you're eligible
for subsidies or tax credits!
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Short-Term Disability Insurance
Protect Your Income with Short-Term
Disability Insurance
Life is unpredictable, and illness or injury can happen at any time.
While we can’t always prevent accidents, we can plan for them.
That’s where Short-Term Disability Insurance comes in. It provides financial protection when you’re unable to work due to illness or injury.
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What is Short-Term Disability Insurance?
Short-term disability insurance replaces a portion of your income if you become temporarily disabled and are unable to work due to a covered medical condition. This coverage typically lasts for a few months, offering you a financial cushion while you recover.
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Key Benefits of Short-Term Disability Insurance:
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Income Replacement: Short-term disability insurance typically covers 60% to 80% of your income, helping you manage expenses while you focus on recovery.
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Coverage for a Range of Illnesses and Injuries: This insurance covers a variety of temporary conditions, from serious injuries to surgeries and childbirth recovery.
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Peace of Mind: With short-term disability insurance, you can rest easy knowing that even if you’re temporarily unable to work, your financial responsibilities are still covered.
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Easy Claims Process: Filing a claim is simple, and many plans don’t require extensive paperwork or approval from your employer.
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Who Needs Short-Term Disability Insurance?
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Self-Employed Individuals: As a freelancer or business owner, short-term disability insurance can help protect your income if you’re temporarily unable to work.
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Employees with Limited Coverage: If your employer doesn’t offer disability insurance or you want additional protection, short-term disability coverage is a great option.
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People in High-Risk Occupations: Jobs that involve physical labor or have a higher risk of injury often benefit from disability insurance coverage.
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Why You Need It:
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Income Protection: Short-term disability insurance ensures you have an income even when you’re temporarily unable to work.
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Affordable: Compared to long-term disability insurance, short-term policies are often more affordable and accessible.
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Quick Financial Relief: If you’re out of work due to an injury or illness, short-term disability can help fill the gap until you're able to return to your job.
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Don’t wait until it’s too late!
Protect your income and your future with short-term disability insurance.
Contact me today to find a plan that’s right for you.
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Address
9713 N Kings Hwy Suite 201
Myrtle Beach, South Carolina, 29572
Phone
1-888-735-3620
704-299-6382
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