info@lacunahealthinsurance.com
(202) 997 1305
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Welcome To Lacuna Health Insurance

We are here to help

We are in the business of helping people. Contact us to see how we can help you manage your health, save money and protect your future.

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Welcome To Lacuna Health Insurance

Health Insurance

Protect yourself & your family with comprehensive insurance. We cover all your needs to ensure you are protected in all aspects of your life.

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Welcome To Lacuna Health Insurance

Medigap

Medicare supplemental insurance refers to various private health insurance plans sold to supplement Medicare in the United States

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Learn What We Offer

When it comes to insurance, we've got you covered. Learn more about how our products can help you.

Best in Class Insurance

We represent reputable insurance carriers like Aetna, Blue Cross BlueShield, Cigna, Gerber Life

Contact Us

Speak to a licensed agent from our agency. We are happy to help in all of your insurance matters

About Us

We are in the business of helping people. We help consumers save money, we help businesses reduce risk and we help families protect and preserve their financial future.

  • Lacuna Health Insurance agents are licensed and ready to help.
  • Represents established carriers suchs as Aetna, Cigna, BlueCross & Gerber
  • Medigap - Supplemental Medicare Insurance

Taking care of our clients providing the best possible insurance at the most affordable rate is our priority

Why Have Insurance?

Having health insurance is important for several reasons. Uninsured people receive less medical care and less timely care, they have worse health outcomes, and lack of insurance is a fiscal burden for them and their families. Moreover, the benefits of expanding coverage outweigh the costs for added services

Insurance Plans

Insurance plans offer security to you and/or members of your family. There are a lot of options to consider.

Medical Care for Families

Let's find a plan that meets your families needs. You never know when an emergency can occur. Insurance provides you some security.

Medigap

Known as supplemental Medicare. Medigap can help offset some of the costs not covered by medicare

Critical Illness Insurance Policy

Critical illness policy may provide some peace of mind for a variety of diagnoses.

Cancer Insurance Policy

Nearly 1.7 million new cases of cancer will be diagnosed in 2016 and with medical advances, more and more people survive.

Heart Attack & Stroke Insurance Policy

Heart disease remains one of the most prevalent afflications in the US wiht 27.6 million Americans diagnosed.

Critical Advantage Portfolio

Critical advantage may help you feel safe and secure with your treament approach in times of need.

Product Options

We offer the following Product Options

Critical Illness Insurance Policy

For individuals looking for comprehensive coverage, a Critical Ilnness policy may provide some peace of mind for a variety of diagnoses.

    ISSUE AGES
  • 18-64, 18-54(Term)
    COVERAGE PLANS
  • Individual, Single Parent, Family
    BENEFIT AMOUNTS
  • $10,000 to $100,000
    BASIC BENEFITS
  • Lump Sum Benefit Amount
  • Return of Premium (ROP) benefit on Death
    COVERAGE OPTIONS
  • Lifetime coverage
  • Term - 10, 15, 20 or 30 years
    UNDERWRITING GUIDELINES
  • Express(Benefit amounts of $10,000 to $50,000)
  • Simplified(Benefit amounts of $51,000 to $100,000)
    COVERED CONDITIONS - 100%
  • Internal Cancer of Malignant Melanoma, Heart Attack, Stroke, Alzheimer's Disease, Major Organ Transplant, Blindness, Paralysis, Deafness, Kidney Failure
    COVERED CONDITIONS - 25%
  • Coronary Artery Bypass Surgery
  • Coronary Angioplasty Surgery
    OPTIONAL RIDERS (additional premium applies)
  • Cash Value (in TX, ONN5M-41)
  • Intensive Care Unity(In TX, ONN6M-41)

*Policy benefits and features may not be available in all states



Cancer Insurance Policy / Heart Attack & Stroke Insurance Policy


Nearly 1.7 million new cases of cancer will be diagnosed in 2016 and with medical advances, more and more people survive this disease.

Heart disease remains one of the most prevalent afflictions in the U.S. with 27.6 million Americans diagnosed.

    ISSUE AGES
  • 18-89, 18-54(Term)
    COVERAGE PLANS
  • Individual, Single Parent, Family
    BENEFIT AMOUNTS
  • $10,000 to $100,000
    BASIC BENEFITS
  • Lump Sum Benefit Amount
    COVERAGE OPTIONS
  • Lifetime coverage
  • Term - 10, 15, 20 or 30 years
    UNDERWRITING GUIDELINES
  • Express(Benefit amounts of $10,000 to $50,000)
  • Simplified(Benefit amounts of $51,000 to $100,000)
    COVERED CONDITIONS - 100%
  • Internal Cancer of Malignant Melanoma - 100%
  • Heart Attack & StrokeConditions -100%
  • Coronary Artery Bypass Surger - 25%
  • Coronary Angioplasty - 25%
    OPTIONAL RIDERS (additional premium applies)
  • Cancer (in TX, ONNM3-41)
  • Heart Attack & Stroke(In TX, ONN2M-41)
  • Cash Value (In TX, ONN5M-41)
  • Intensive Care Unit (In TX, ONN6M-41)

*Policy benefits and features may not be available in all states




Critical Advantage Portfolio

With direct payment to you, Mutual of Omaha Insurance Company's (Mutual of Omaha) Critical Advantage Portfolio may help you feel safe and secure with your treatment approach in times of need

Fill the Gaps


With Health care costs increasing and people often seeing higher deductibles, the need to select options that may fill the gaps is more important than ever.

Designed with your recover in mind, the Critical Advantage Portfolio may be a streamlined accompaniment to your existing health or disability insurance. And with three producs across numerous benefit amounts, there are terms and prices for almost any situation or budget.

Should you be diagnosed with any of the conditions covered, a check is sent to you, not the health care provider. No receipts of medical bills necessary. Payment is to you, for you.

It's a financial Issue


If something happens to you or a member of your family, your health insurance will help pay doctor and hospital bills. But when faced with a serious health condition that is covered by the Critical Advantage portfolio, there are other factors to consider.

  • Replacing lost income while you or a family member is off work
  • Keeping up with ongoing living expenses
  • Paying health insurance deductibles and copayments
  • Hiring home health care or child care services
  • Traveling to treatment facilities


Designed with you in mind


The Critical Advantage Portfolio offers a number of flexible benefits and options.

  • Coverage Options: Lifetime or Term(10,15,20 or 30 years)
  • Individual, Single Parent, Family
  • Face Amounts: $10,000 to $100,000
  • Simplified or Express Underwriting
  • Lifetime Coverage



Insurance is vital for security and peace of mind.

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James Adams

Customer

As a small business owner, finding the right insurance for myself and my family was crucial. Thanks to Lacuna for walking me through this. I am very happy with my plan.

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Michelle Wayans

Customer

Working with an agent helped me understand my options allowing me to make the best possible decision. Thank you!

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Gabrielle Snowden

Customer