Monthly Archives: July 2020

3 Benefits of Having a Health Savings Account

In Lakewood, CO, the agents of Colling Insurance Services, Inc. offer information about health savings accounts to individuals who are looking for ideal ways to pay for some of their health and medical costs. Health savings accounts can have part of your paycheck direct deposited into it or you can add money whenever you choose.

No Tax

The money that goes into your health savings account is not taxable unless you use it for something other than a health or medical-related purchase. Money that is earmarked for your HSA account can be taken out prior to your wages being taxed.

Use It Any Time

Health savings accounts can be used at any time. You can use the money while you are on vacation or whenever you need to pay a co-pay or deductible. You will receive a debit card with your account that will provide you with easy access to your funds whenever you need them.

Covers Any Type of Medical or Health Related Cost

A health savings account will cover any health or medical-related cost. This includes costs associated with prescriptions and pre-existing conditions. The money can also be used to purchase vitamins and supplements, braces, and other items that are needed to provide direct care.

The agents of Colling Insurance Services, Inc. are dedicated to providing the residents of Lakewood, CO the best possible health insurance coverage at all times. Health insurance coverage can be confusing. With a health savings account, the agents can make it easy for you to cover many of your most unexpected health and medical expenses. Call your agent today to see if a health savings account is right for you.

The Importance of Dental Insurance

Keeping a healthy set of teeth in your mouth is an overwhelming task. If left untreated, multiple diseases (diabetes, respiratory and cardiovascular ailments) have a direct correlation to poor dental hygiene. It’s wise to learn the importance of dental insurance from Colling Insurance Services Inc. of Lakewood, CO.

How Does Dental Insurance Work

The basics of your dental insurance policy can differ from another person’s or family’s care plan. It’s designed to cover all preventative and emergency dental procedures. And that could mean biannual checkups of your teeth, gums, and providing some protection from unexpected oral surgery for major dental injuries. Quickly, you will learn the importance of quality dental insurance coverage as these same medical procedures are quite expensive on their own.

The goal of dental insurance is to offer some form of preventative care that quickly identifies oral health issues early in their development. If tooth decay or gum disease goes unnoticed, then it could manifest into a serious medical condition. Dental insurance is much more than preserving your smile. 

Dental Insurance Provides All The Right Benefits

Often the wording of your dental insurance coverage is limited to your current health condition. You want to design a policy that protects your healthcare needs. It’s important to gain the right dental insurance benefits that protect your teeth and gums long-term. A person wants to have the confidence to smile in public situations. 

Just like primary health insurance, dental insurance can help lessen the cost of annual visits and immediate treatment needs. Most policies offer at least two teeth cleansings-per-year, $ 5,000 maximum annual coverage for all required dental care, and other treatment options.

Good dental insurance should be part of your overall healthcare plan. Speak with a representative from Colling Insurance Services of Lakewood, CO to learn more about quality dental insurance coverage. Schedule an appointment today!