Health Insurance Products Available

Major Medical

Individual health insurance is now available to everyone regardless of age or any health conditions you may have. Depending on your circumstances, you may qualify for a government subsidy to help pay your premium. Open enrollment or special enrollment requirements may apply.

Short Term Medical

Did you miss the Open Enrollment period to apply for health insurance? Short-term medical policies are designed to provide coverage for a specific period of time. If you need insurance to cover you until the next Open Enrollment period or for any reason this may be the ideal product for you. It can be written for whatever your need and is very affordable.

Life Insurance

Do you have a mortgage, own a business, have car payments, or credit card debt? Are you married, have young children or children about to start college? Many of us don’t understand the importance of protecting your family’s future. Our counselors can show you how to buy affordable life insurance, which will protect the future of your family as well as your business.

Disability Insurance (Short-Term and Long-Term)

Many people think about insuring their homes, their cars, their health and even their life. However, many forget to protect their most important asset, their income. Disabled individuals continue to incur living expenses but are no longer receiving an income. Often times this may result in the family having to make extreme sacrifices to maintain a modest lifestyle. A disability insurance policy protects an individual’s income and provides an income stream until they are able to return to work.

Dental Insurance

Regular dental checkups are important when it comes to the health of your teeth. Many people wait to see a dentist until they have a problem, which often results in expensive treatment that may have been avoided had they had regular checkups. Many times the reason they don’t get regular checkups is because they do not have insurance. Many people don’t realize they can purchase dental insurance individually. Also, many employers no longer help pay for dental insurance because the medical premiums have increased. Dental plans can be purchased individually and are very affordable.

Medicare Supplements

Medicare supplement plans, referred to as Medigap, are policies issued by private insurance companies. Designed to fill in the gaps of Medicare, these supplements offer coverage attributable to Medicare’s deductibles, co-payment requirements, and benefit periods. Unlike Medicare, these plans are not administered through the federal Social Security program, but are instead sold and serviced by private insurers and HMOs.

Medicare Part C

Medicare Part C is the Medicare Advantage (MA) option now available under Medicare. Unlike Medicare Supplement plans sold today, these programs vary significantly by carrier and research must be done to determine which program and carrier provide the best fit for the needs of the client.

Medicare Part D

Medicare Part D is the drug program available through Medicare beginning on January 1, 2006. Like Part C, these programs vary significantly from one carrier to the next. Research must be conducted regarding the prescription drugs the client is taking in order to determine which carrier affords the greatest benefit for the client.