As many of you are aware, for years, a large part of my practice has been geared toward addressing chronic and serious health challenges such as cancer in an integrative way, blending Chinese medicine with western allopathic therapies. However, often times, traditional health insurance companies do not pay for holistic sessions or therapies. Recently, I had the pleasure of talking with Miguel Iniguez who is an expert with insurance policies and has a passion for helping small business owners and entrepreneurs find appropriate coverage.
Miguel, why should my clients be aware of short term and long term disability insurance, especially if they are self employed?
I can tell you the statistic that 1 in 3 workers will miss at least 90 days of work due to disability prior to age 65. But the real reason is that your ability to earn a living is your most valuable asset, so why would you NOT insure it? As a fellow entrepreneur, I know finding affordable coverage can be challenging and that is where I can be a great resource. I enjoy designing plans for business owners that do not have the luxury of a big corporation providing the majority of their insurance.
How do policies like cancer, heart attack or stroke policies help my clients to be able to partake of holistic services if they are experiencing these issues?
Supplemental health policies provide valuable living benefits at an affordable rate. They are a great way to give you the freedom to get the care that you choose if your health insurance does not cover treatments like holistic medicine. Also, a full 60% cancer related expenses are not health care related. They are things like lost income or rental cars and hotel rooms for loved ones when you go out of town for treatment. These are simple policies that pay you a lump sum on first diagnosis and you are free to use that tax-free benefit any way you choose.
What advice do you give to my clients in terms of evaluating if they have adequate coverage not only for income protection but also health protection?
My advice is to talk with a professional to assess your situation. A good agent will meet with you free of obligation and will be able to provide a perspective you might not have thought about. The good news and the bad news about the internet is that all that information is out there. But not all policies are created equal and most business owners would rather work with a professional so that they can keep working on their business instead of having to become an insurance expert.
Miguel, please share with my clients the best way to contact you if they would like to explore more with you:
These days we all have to give people multiple options for connecting. My phone number is 512-965-5455. My website will have all of the other platforms where I can be reached:
Interested in our professional medical qi gong certification program? Contact us today at 512-468-6588 firstname.lastname@example.org