My ESB Accounts Personal Banking Products Business Banking Products Agricultural Products Residential Mortgage Loans Current Rates Insurance Non-Bank Investments Trust Financial Tools What's New Meet the Staff

We offer the following types of health insurance. You will find more information below about each of these products by clicking on its name, or please click the 'Request a quote' link(s) to print out a quote request form for the appropriate product.

= Individual Medical Insurance
= Group Health Insurance
= Temporary Health Insurance
= Medical Savings Account
= Medicare Supplements
      - Request a Medicare Supplement quote *
= Long-Term Care Insurance
= Supplemental Insurance  (link goes to a separate page)

= Request a Health Insurance quote *

* You will need the Acrobat Reader in order to view the quote request form listed above. You may download a free copy by visiting www.adobe.com/products/acrobat/readstep2.html.

Understanding Health Insurance

Individual Medical Insurance
Health insurance for individuals or families can range from very basic coverages to very inclusive & comprehensive plans. We offer varying deductibles & co-payment options. We represent several companies, making it easy to find a health plan to meet your needs.

Group Health Insurance
Group health insurance is when two or more employees pool together for their health insurance plan through an employer. Group insurance can range from very basic coverages to very inclusive & comprehensive palns. We offer varying deductibles & co-payment options. We represent several companies, making it easy to find a health plan to meet your needs.

Temporary Health Insurance
Temporary health insurance is major medical insurance for people with temporary needs. Examples of someone who may need temporary health insurance include:
     = Betwen jobs or laid off
     = Graduating from college
     = Waiting for group coverage
     = Dependents falling off parent's health plan
Your coverage could begin as soon as 24 hours after completing an application.

Medical Savings Account
Medical Savings Account (MSA) health plans are only available to self-employed individuals or families. MSA plans combine a high-deductible major medical insurance plan with a tax- free savings account. Money into the savings account is used to help pay the major medical deductible. Once the deductible is met, insurance starts paying. Money left in the savings account is yours to keep.

Medicare Supplements (or "Medigap")
A Medicare supplement policy is a health insurance policy sold by private insurance companies to fill in the "gaps" in original Medicare coverage. A Medicare Supplement may help you lower your out-of-pocket health expenses, and get more health insurance coverage. Each standardized supplement policy must cover basic benefits. Most policies pay most, if not all of the original Medicare plan coinsurance and outpatient co-payment amounts. These policies may also cover the Medicare plan deductibles. Some of the policy plans help pay for more of those things that Medicare doesn't cover, like prescription drugs. To buy a Medicare Supplement, you generally must have Medicare Part A and Part B.

Long-Term Care Insurance
Long-term care is needed by someone who suffers with a long disability, physical illness, or a mental impairment (i.e. Alzheimer's disease). Long-term care does not necessarily correct a medical condition, but helps one live as he or she is now. Long-term care services may include help with the activities of daily living, home health care, respite care, adult day care, or care in a nursing home or assisted living facility. Long-term care insurance can help pay for some or all of the costs associated with all these types of care.

You should consider buying Long-Term Care Insurance if:
     = You have significant assets and income,
     = You want to protect some of your assets and income,
     = You want to pay for your own care, and/or
     = You want to stay independent of the support of others.

This does not address all the provisions of the policies. The appropriate policy should be consulted for specific provisions. This web page is for general informational purposes only. Exchange State Bank & Insurance is not responsible for any misinterpretation by you. See a licensed insurance agent for clarification and advise on all insurance decisions.

Supplemental Insurance - Click the heading to go to the Supplemental Insurance page.

= Top =

To discuss our insurance products, please contact Amy Follmann at 1-800-448-8966 or: insurance@esbanks.com.
Locations in Adair and Winterset, Iowa.

Investment and Insurance products offered by ESB are NOT FDIC insured, NOT insured by any federal government agency.
Not a deposit. May lose value. No Bank Guarantee.