Plan Details
Under 65 Insurance
Not 65 or eligible for Medicare? We still have you covered! We can help you get the affordable coverage you need for yourself or your family
ACA (Marketplace Insurance)
This is the most common type of insurance offered to under 65 individuals not covered under an employer plan. They come in HMO or PPO types and a variety of options with deductibles, Max out of Pocket, and copays. Depending on your income level you can qualify for a subsidy to help pay the monthly premium. Due to these plans having a high deductible it is highly recommend that they be paired with a supplemental indemnity policy that helps you fill in the gaps and pay as little out of pocket if you have to use it.
Fixed Indemnity
These types of policies pay a fixed amount for insurance services rendered. For example, the plan could pay you $5,000 for a hospital stay, or 500 for a visit to the ER. This helps you pay any out of pocket that comes from your Major Medical, ACA, or employer coverage. Benefits are paid directly to you and are tax free. These plans can also be used as a stand alone plan if you do not have any major medical insurance. They pay regardless of any other insurance you have. We can find you the best coverage possible at the best possible rate.
Accident Insurance
These plans are very similar to fixed indemnity except they are usually much more affordable and focus on covering out of pocket expenses that occur from a specific accident. The plan usually has a maximum it pays per year, from 5,000 to 100,000. Benefits can be paid per service, such as a surgery, hospital stay, diagnostic service, or a doctor visit. Or they can simply reimburse you for the full cost of what you paid on your Major Medical. For example, you had a 1000 dollar co-pay for a surgery. You submit the bill to the plan and the plan pays you 1,000 dollars directly to you.
Disabilty Insurance
Disabilty insurance provides income payments directly to you if you are temporarily unable to work. If you are working you may be able to get this type of insurance through your employer at a discounted rate. If you are someone who is commission based or commission + salary an employer disability insurance program may not replace enough income if you are unable to work. We can find affordable coverage to use as primary or combine with your exisiting disability coverage.
Group Health Insurance
Group insurance plans are plans purchased by companies or organizations and offered to its employees or members. These types of plans can have a lot of moving parts and choosing the wrong plan can cost your business or organization. Offering great health insurance can help keep valuable employees and keep favorable tax advantages. Fully funded, Self-funded, or level funded, we make it easy to understand and get what you need.
Dental Vision and Hearing
Dental vision and hearing plans pay for, you guessed it, dental vision and hearing! We offer many different companies and benefits range from 1,000 to 20,000 dollars per year. Networks and coverages vary and we pride ourselves in offering the best plans available anywhere. It all comes down to buyng a plan to cover the dentist you want to use and cover the most amount of out of pocket.
Critical Illness Coverage
Critical illness coverage is a type of insurance that provides a lump sum payment in the event that you are diagnosed with a critical illness such as cancer, heart attack, stroke, or a major accident. This payment can be used to cover medical expenses, as well as other costs such as lost income or changes to your living arrangements. Critical illness coverage can be purchased as a standalone policy or as a rider to a life insurance policy.
It's important to note that not all critical illnesses are covered by every policy. Be sure to carefully review the policy to understand which illnesses are covered and what the specific terms and conditions of the policy are.
