Benefits

Kaiser Permanente - Medical Coverage Overview

At Kaiser Permanente, we provide integrated, high-quality medical coverage designed to support your total health. From preventive care to specialized treatments, our coordinated approach ensures seamless access to the care you need.

Key Features of Your Coverage

✅ Primary & Specialist Care – Access to in-network physicians and specialists with coordinated care plans.

✅ Preventive Services – Routine checkups, screenings, and immunizations covered at no additional cost.

✅ Urgent & Emergency Care – Coverage for urgent medical needs and emergency room visits, ensuring quick access to treatment.

✅ Telehealth & Virtual Visits – 24/7 access to doctors via phone, video, or our mobile app with $0 copay for most plans.

✅ Prescription Benefits – Affordable medications through our integrated pharmacy network and mail-order services.

✅ Mental Health & Wellness – Comprehensive support, including therapy, counseling, and behavioral health services. 

✅ Lab Tests & Diagnostic Imaging – Essential lab work, X-rays, and imaging services covered for timely diagnoses.

Click the link below for more details. 

Guardian - Medical Coverage Overview

At Guardian, we provide flexible and high-quality medical coverage designed to support your well-being. Whether it’s preventive care, specialist visits, or emergency services, we’re here to help you stay healthy.

Key Features of Your Coverage

✅ Primary & Specialist Care – Access to a vast network of healthcare professionals for routine and specialized treatments.

✅ Preventive Services – Routine checkups, screenings, and vaccinations covered to keep you proactive about your health.

✅ Urgent & Emergency Care – Coverage for urgent medical needs and emergency services to ensure timely treatment.

✅ Telemedicine & Virtual Care – 24/7 access to doctors via phone or video consultations for convenience and efficiency.

✅ Prescription Benefits – Affordable medication options through our extensive pharmacy network and mail-order services.

✅ Mental Health & Wellness – Access to counseling, therapy, and behavioral health support to prioritize your mental well-being.

✅ Diagnostic & Lab Services – Coverage for lab tests, imaging, and diagnostic procedures for accurate health assessments.

You can find Guardian's medical coverage guidelines on their official website:

Click the link below for more details. 

Aflac - Medical Coverage Overview

Supplemental Health Coverage for Peace of Mind

At Aflac, we provide supplemental medical coverage designed to help you manage out-of-pocket expenses and unexpected medical costs. Our plans work alongside your primary health insurance to ensure financial security when you need it most.

Key Features of Your Coverage

✅ Supplemental Insurance – Helps cover expenses that your primary health insurance may not, such as copays, deductibles, and everyday bills during recovery.

✅ Accident Insurance – Provides financial assistance for injuries resulting from accidents, covering emergency treatment, hospital stays, and more.

✅ Hospital Indemnity Coverage – Pays cash benefits for hospital stays, surgeries, and intensive care to ease the burden of medical bills.

✅ Critical Illness Protection – Offers financial support in the event of serious conditions like cancer, heart attack, or stroke.

✅ Short-Term Disability Insurance – Helps replace lost income if you’re unable to work due to illness or injury.

✅ Dental & Vision Plans – Affordable coverage options for routine and major dental work, as well as vision exams and eyewear.

✅ Wellness Benefits – Some plans offer preventive care incentives, such as cash benefits for annual checkups and screenings.

AFLAC open enrollment June 

*Schedule An Appointment Please Click Here*

** Life Insurance Quote, Please Click Here **

Website: www.aflac.com/andrew_luccock
Office: 503-206-9114
Cell: 503-481-5282, Fax: 503-345-6815 

remember to update your income each year!