Ancillary Insurance

Our agency offers a range of ancillary insurance products designed to fill gaps in coverage and provide added financial protection against unforeseen expenses related to healthcare and other essential services.

Our portfolio of ancillary insurance products includes:

Dental Insurance: Dental insurance helps cover the cost of routine dental care, such as cleanings, exams, and fillings, as well as more extensive procedures like crowns, bridges, and orthodontics. We offer flexible dental insurance plans to help individuals maintain good oral health and manage dental expenses.

Vision Insurance: Vision insurance provides coverage for routine eye exams, eyeglasses, contact lenses, and other vision-related services. Our vision insurance plans offer affordable options for maintaining optimal eye health and clear vision.

Accident Insurance: Accident insurance provides coverage for medical expenses, hospitalization, and other costs associated with accidental injuries. Our accident insurance plans offer financial protection against unexpected accidents, such as slips, falls, sports injuries, and more, providing peace of mind and added security for individuals and their families.

Critical Illness Insurance: Critical illness insurance provides a lump-sum benefit in the event that an individual is diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. Our critical illness insurance plans offer financial support to help cover medical expenses, treatment costs, and other financial obligations during challenging times.

At our agency, we understand that everyone's insurance needs are unique, which is why we offer personalized guidance and support to help individuals and families select the ancillary insurance products that best fit their needs and budget. Our team of licensed agents is committed to providing excellent customer service, ongoing support, and peace of mind to our clients.

Contact us today to learn more about our ancillary insurance products and how we can help you protect yourself and your loved ones against life's unexpected challenges.

Long Term Care:

As an agency specializing in long-term care insurance, we are committed to helping individuals and families plan for the future by providing comprehensive coverage options to address the potential costs of long-term care services. Long-term care insurance is designed to help cover the expenses associated with care received in a variety of settings, including nursing homes, assisted living facilities, and home care.

At our agency, we understand that long-term care services can be expensive and can quickly deplete savings and assets if not adequately planned for. That's why we offer long-term care insurance policies that provide financial protection and peace of mind, allowing individuals to access the care they need while preserving their quality of life and independence.

Our long-term care insurance policies typically cover a range of services, including:

1. Nursing Home Care: Coverage for skilled nursing care and rehabilitation services provided in a nursing home setting.
2. Assisted Living Facility Care: Coverage for assistance with activities of daily living (ADLs) and support services provided in an assisted living facility.
3. Home Care Services: Coverage for in-home care services, including assistance with bathing, dressing, meal preparation, medication management, and other activities of daily living.
4. Adult Day Care Services: Coverage for daytime supervision, social activities, and support services provided in a community-based adult day care center.

Our long-term care insurance policies offer flexibility and customization options to meet the unique needs and preferences of each individual and family. We work closely with our clients to assess their long-term care needs, evaluate coverage options, and design a plan that provides comprehensive protection and affordability.

In addition to offering long-term care insurance policies, our agency provides personalized guidance and support throughout the insurance planning process. Our team of licensed agents is available to answer questions, address concerns, and provide ongoing assistance to ensure that our clients have the coverage they need to plan for the future with confidence.

Contact us today to learn more about our long-term care insurance options and how we can help you protect yourself and your loved ones against the potential costs of long-term care services.

Hospital Indemnity:

An insurance agency describing a hospital indemnity plan typically emphasizes the key features, benefits, and coverage details of the policy. Here's how such an agency might describe a hospital indemnity plan to potential clients:

"Welcome to Oak Crest Insurance Services, where we specialize in providing comprehensive insurance solutions to protect your health and financial well-being. One essential coverage option we offer is a hospital indemnity plan, designed to provide you with financial protection in the event of a hospital stay.

Our hospital indemnity plan offers the following key features and benefits:

• Lump-Sum Benefit: In the event of hospitalization due to a covered illness or injury, our plan provides you with a lump-sum benefit for each day you are hospitalized. This benefit is paid directly to you and can be used to help cover out-of-pocket expenses associated with your hospital stay, such as deductibles, copayments, and other medical costs.
• Flexible Coverage Options: We offer a range of coverage options to suit your individual needs and budget. You can choose the daily benefit amount and coverage duration that best meet your requirements, ensuring that you have the financial protection you need in the event of hospitalization.
• No Network Restrictions: Unlike traditional health insurance plans, our hospital indemnity plan does not have network restrictions. You have the freedom to choose any hospital or healthcare provider for your treatment, giving you flexibility and peace of mind wherever you receive care.
• No Deductibles or Copayments: With our hospital indemnity plan, there are no deductibles or copayments to worry about. You receive your lump-sum benefit directly, without having to meet any out-of-pocket expenses first.
• Easy Claims Process: Our claims process is simple and straightforward. If you are hospitalized due to a covered illness or injury, you can submit your claim quickly and easily, and we'll work to process it promptly so you can focus on your recovery.

At Oak Crest Insurance Services, we understand the importance of having financial protection in the event of unexpected medical expenses. Our hospital indemnity plan provides you with peace of mind knowing that you have a safety net in place to help cover the costs of hospitalization. Contact us today to learn more about our hospital indemnity plan and how we can help you protect your health and finances."

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