Health Insurance Riders

There are two "riders" with insurance company jargon. One is an endorsement to the contract excluding the insurance company from covering a certain condition or illness, also called a waiver. Unless you have an older "grandfathered" health insurance policy this one no longer applies.

The other is an add-on to the basic contract giving you additional "benefits". We are talking about this one here.

As a result of the Affordable Care Act (ACA) many riders, such as maternity coverage, are now included with the policy. It doesn't matter if you are male or a female over normal child bearing age you now must have and must pay for maternity coverage.

Other riders are now generally referred to as "ancillary" products. Beneficial coverage such as Term Life, Dental, Critical Illness, Cancer, and Accident coverage are generally offered separately. Click on the buttons below for more information or to Contact Us.