Coverage for more than just your dental health.

Having dental insurance is key to staying healthy, and it's not just about your teeth. Did you know that regular dental exams can even help detect serious underlying conditions such as heart disease and diabetes?

How dental insurance plans work.

Individual dental insurance is designed to offer you coverage and help you budget for all levels of care. Dental plans offer a variety of diagnostic, preventative care, and corrective services which include cleanings, exams, x-rays, fillings, root canals, orthodontia for children, and emergency care while traveling. All of these are important for maintaining a healthy smile and having the proper coverage can ensure you get the dental care you need.

Get the right policy to cover your specific needs.

Dental insurance policies are usually simple in straightforward since you'll know which procedures are covered and what any out-of-pocket costs might be for the dental services you need.

What to consider before choosing a dental insurance plan.

Keep in mind that some policies may have a waiting period before your coverage kicks in. Another important thing to check is what your deductibles and co-pays will be to ensure they fit your needs.

We're happy to talk through the details of dental insurance, of course. Contact us and we'll lead the way.

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As an independent agency, we are here to help you find the right Individual Dental Insurance coverage.

Individual Health Insurance

When you’re looking for affordable health insurance options, Dufault Insurance Agency is happy to point you in the right direction. We provide you with full medical coverage, professional advice, and hassle-free service.

Our expert team of insurance agents has connections with leading health insurance companies, and we’ll gladly help you find the perfect plan for you. Whether you have known medical issues that will require more attention, or you’re looking for simple yet comprehensive insurance, we’ll help you compare different insurers and discuss the pros and cons of their policies.

Make an informed decision when it comes to your health insurance. Contact us now at (218) 773-2480 to book a consultation at your earliest convenience.

No-Obligation Consultations on Health Insurance

Although we’ll happily assist you over the phone, we always recommend scheduling a no-obligation, in-person consultation so that no information goes overlooked. You may end up saving time in the long run as we’ll get a better idea of the coverage you’re looking for, face-to-face.

Our health insurance agents make sure getting a quote is fast and straightforward. Sit down and speak with us about your medical history and your needs, and we’ll find you an array of options that work for you. From there, we’ll lay out the different rates and terms of each policy and make professional, impartial suggestions.

A Full Range of Individual Health Insurance Plans

Dufault Insurance Agency offers a full range of individual health insurance coverage and plans. Our agents can help you assess what your needs are and then put together a comprehensive health insurance plan. Many insurers provide personal insurance plans that are customizable with add-ons. Typical health insurance coverage includes any of the following:

• Basic health insurance
• Vision insurance
• Dental insurance
• Extended health insurance
• Disability insurance
• Critical illness insurance
• and more!

Our team will take the time to locate different health insurance plans that have everything you need. Then, you can choose the health insurance company you prefer.

Streamlined Medical Insurance Claims

When it comes to medical insurance claims, we’ll make sure you receive the maximum amount payable every time. If you need to submit a claim, our phone lines are always open. Give us a call, and we’ll help you handle your medical claims hassle-free. We let you know what documents are required, and we take care of the rest.

If ever there is any confusion or uncertainty, our health insurance professionals can always help. At your request, we can break down the terms of your coverage and answer any questions you may have.

Long-Term Disability Insurance

Maintain your financial stability in the event of an injury.

Long-term disability insurance to suit your lifestyle.

Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for months-even years. We'll make sure you have financial support to manage your disability and your household.

What is covered and why you should consider it.

The principle of long-term disability insurance is simple enough-you pay premiums and if you become disabled and are no longer able to work, you get regular payments to make up some of the lost income. As with life insurance, it's often a smart way to make sure you and your family (or financial dependents) are protected if the worst happens.

A variety of payment options are available.

You do need to pay attention to the details with long-term disability insurance, however, as policies have several key options. For example, you'll need to check how long you have to be disabled before any payout starts, and for how long the payments will continue. Some long-term disability insurance policies pay for a fixed period only (or until you reach retirement age if that comes first), while others guarantee to pay out until you reach retirement age, regardless of how long that is.

Determine payout levels that work for you.

You'll also need to decide on a payout level. Generally, long-term disability insurance policies pay a maximum of around 50 to 70 percent of whatever your pre-tax salary is when you become disabled. When you take out the policy, you can sometimes choose a lower payout level, which will reduce your premiums.

Getting long-term disability coverage through your employer.

Your employer may cover you with a long-term disability insurance policy or give you access to buy one at a discount. Even if this is the case, don't automatically rule out getting your own long-term disability insurance policy instead, or in addition to, your company's policy. The employer's policy might not offer a payout level that meets your needs, for example. Also, payments you receive from an employer policy may be taxed differently to those you receive from a long-term disability insurance policy you buy yourself.

We understand the details of long-term disability insurance and will be happy to walk you through it.

Get Started Today

As an independent agency, we are here to help you find the right Long-Term Disability Insurance coverage.

Individual Vision Insurance

Start seeing your insurance coverage more clearly.

Individual vision insurance to suit your lifestyle.

Whether your employer doesn't offer vision insurance or you don't have access to coverage through an employer, individual vision insurance allows you to get that coverage on your own. From preventative care like eye exams to eyeglasses and contacts, an individual vision insurance plan may offer a variety of benefits to help reduce the cost of these services and products.

Do I need individual vision insurance?

There are many reasons why you might not have the ability to get group vision insurance. In these instances, an individual vision insurance plan allows you to get that coverage on your own terms. If you fit any of the following categories, then this coverage may be right for you.

• Retired
• Self-employed
• Part-time
• Unemployed.

What does individual vision insurance usually cover?

When you have an individual vision insurance plan, the specifics may vary, but in general, you'll get coverage for some or all of the following: eye exams, frames, lenses, and contact lenses. Other plans might also include coverage for preventative care or vision correction surgery like LASIK. It's important to select a plan based on your needs, which change depending on your age, vision, eye health, and whether or not you need glasses or contacts to see clearly.

What makes vision insurance different from other types of insurance?

Vision insurance helps cover some out-of-pocket costs related to preventative eye care and corrective services and products. Some plans reimburse for certain services no matter where they are provided while other plans might have a network of providers. Other plans offer discounts on services as well.

What is not covered by vision plans?

While your plan may vary from others, it's important to understand what vision plans typically do not cover and, more specifically, where your health insurance would come into play. For example, if you injured your eye in an accident, regardless of severity, medical services would typically be covered under your health insurance plan (if you have one). Treatment for medical conditions affecting the eyes such as conjunctivitis, glaucoma, retinal detachment, and macular degeneration are also likely covered under your health insurance plan and not an individual vision plan.

Is this type of plan right for you?

If your employer doesn't offer vision insurance and you don't have access to any other group vision plan, an individual vision insurance plan could be a good solution. Generally, a plan such as this is beneficial if you are anticipating out-of-pocket costs for eye exams, eyeglasses, or contacts. You'll want to make sure the amount of benefit is adequate for your anticipated needs, but it's just as important to make sure you're not buying more insurance than you truly need. Finally, be sure to check the participating providers list to ensure there's someone in your area.

Are you interested in an individual vision insurance plan? Contact us to get more details and to help you find the right coverage for your specific needs.

Get Started Today

As an independent agency, we are here to help you find the right Individual Vision Insurance coverage.

Individual Health Insurance

Relax knowing you have the coverage you need.

Individual health insurance to suit your lifestyle.

For those who don't have employer-sponsored health plans, an individual health insurance policy is a necessity. We'll help you sort out the confusion of co-pays, coinsurance, and other considerations and create a policy that fits your life.

Get health insurance with the flexibility of cost and coverage.

If you don't get healthcare coverage through your employer, or if you're self-employed, individual health insurance is an absolute must. Don't panic about the costs; plans can be cheaper than you expect if you shop around, and you'll often have a lot of flexibility when it comes to the balance of premium costs and coverage.

What should you consider when choosing a policy?

Depending on your health level and appetite for risk, you can often find a policy and price that's just right for you. The four big variables to watch out for are:

• The deductible (how much you pay out-of-pocket before the insurer starts paying).
• Co-payments (the percentage, if any, that you pay toward each medical or hospital bill, with the insurer picking up the rest).
• Any annual limits on the total amount the insurer pays.
• Exactly which medical services, treatment, and drugs the policy covers.

Preventative care is typically taken care of.

When offering individual health insurance, insurers have a particular interest in making sure you stay healthy. That means they'll often pay up to 100 percent of the costs of preventative healthcare, such as checkups, screenings, and vaccines.

Health insurance is certainly a complicated topic, so if you want to find out more about getting the ideal plan, contact us today.

Get Started Today

As an independent agency, we are here to help you find the right Individual Health Insurance coverage.