Life & Health

Stanberry Insurance Agency is your path to a healthier tomorrow, today! For over thirty years, Stanberry Insurance has helped hundreds of Western North Carolina individuals and businesses obtain affordable quality health insurance through the most respected carriers in the industry. With PPO, HMO and Health Savings Account plans, Blue Cross Blue Shield Presidents Club member Dawn Hartis provides expert insurance counseling for both Individual Health Insurance and Group Health Insurance. Our life and health insurance agents can help you choose Medicare Supplements, which can offer you freedom and peace of mind. We also offer dental coverage that is something you can smile about. With health care slated as a number one issue facing Americans, you will feel secure knowing you are protected.

We know you value your home, your children and your assets. We want to encourage you (without pushing you) to safeguard those belongings. We offer Individual and Group Life Insurance policies as well as Annuities. Our agents will help find the coverage you need at the price you can afford while helping you choose the right options for your future.

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Individual Life & Health Plans

• Dental Insurance

  Provides coverage for preventive care including cleanings, xrays, fillings, extractions, dentures, and crowns

• Disability Income

  Protects your paycheck in the event that you were to become disabled. Benefits are paid directly to you to help support your lifestyle even if you are out of work.

• Health Insurance PPO

  Provides co-pays for doctors visits and prescription drug costs and protect from catastrophic loss.

• Health Savings Account Eligible Plans

  With this type of plan, you pay contracted rates with your doctors until you reach your out of pocket maximum, then most services would be covered at 100%. These plans include the ability to set up a health savings account which allow you to make contributions and pay for medical expenses with tax free dollars.

• Long Term Care Insurance

  Health Insurance and Medicare pay less than 2% of all expenses associated with long term or respite care, assisted living or home health care. These plans are designed to pay you a per day benefit to help cover such expenses and help you plan for the future.

• Medicare Advantage Plans

  Assigning Medicare Benefits and using an insurance company to handle all of your health insurance needs. Similar to PPO’s, these plans are available for Medicare Beneficiares.

• Medicare Supplement Insurance

  Designed to help supplement out of pocket expenses and co-pays associated with Medicare.

• Permanent Life Insurance

  Purchased to cover you for your lifetime and can generally earn cash value.

• Term Life Insurance

  Purchased to cover you for a certain period of time, generally in terms of ten to thirty years.

Group Life & Health Plans

• Group Dental

  Provides coverage for preventative care such as cleanings, x-rays, fillings, extractions, dentures, crowns, and orthodontia services.

• Group Long Term Care

  Health Insurance and Medicare pay less than 2% of all expenses associated with long term or respite care, assisted living or home health care. These plans are designed to pay your employee a per day benefit to help cover such expenses. This benefit can be purchased as true group or on a voluntary employee paid basis.

• Group Short and Long Term Disability Insurance

  Protects your employees paycheck in the event of disability. Benefits are paid directly to the employee. This benefit can be purchased as true group or on a voluntary employee paid basis.

• Group Term Life

  Guarantee issue amounts range from $15,000 up to $40,000 depending on the size of the company.

• Health Savings Account Eligible Plans

  Protects from catastrophic loss. With this type of plan, you pay contracted rates with your doctors until you reach your out of pocket maximum then most services would be covered at 100%. These plans include the ability to set up a health savings account, which allow you or your employees to make contributions and medical expenses could be paid for with tax free dollars.

• PPO and HMO Plans

  Provide co-pays for doctors visits and prescription drug costs and protect from catastrophic loss.

• Supplemental Insurance

  Employee paid voluntary plans to provide protection for such things as cancer, heart attack, stroke, accidents, term life, and or permanent life. A little extra coverage!