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Picking a plan can be overwhelming. SO MANY OPTIONS! SO MUCH FINE PRINT! If you need a guide who can find out your needs and present the best options in a way that is easy to understand then give us a call.
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Health insurance plans for every stage of life

Individual and family
- Get health insurance coverage for just yourself or the whole family.
- You decide how much coverage you want and how much you want to spend.
- Save money on doctor’s visits, prescriptions drugs, preventative care, and other healthcare services.

Medicare
- Part A covers hospital expenses, skilled nursing facilities, hospice and home healthcare services.
- Part B, for a reasonable monthly premium, provides outpatient care such as doctor visits, x-rays, and preventative care.
- You can also shop plans that potentially reduce your costs for prescription medications.
Small Business
- A great benefit for employees of small businesses.
- Your business may qualify for a tax credit that could cover some of the costs of employee premiums.
- Individual Contribution Health Reimbursement Accounts (ICHRA) provide flexibility:
- All employees can participate, even part-time.
- Provides employees with more plan options than a traditional plan.
Short Term
- Designed to provide health coverage on a temporary basis.
- Short-Term plans offer limited coverage at affordable prices.
- Easy to enroll and can start in just a few days.
Dental
- May have a relatively low monthly premium.
- Can cover everything from routine cleanings and fillings to more comprehensive procedures.
Vision
- Can cover annual eye exams.
- May reduce the cost of contact lenses or glasses.
Fixed Indemnity
- These plans are designed to supplement your health insurance by reimbursing you for out-of-pocket expenses you pay on covered medical treatments and procedures.
Community Plans
- Community/cost-sharing plans are not real health insurance plans. These plans are designed to supplement your health insurance in an effort to help you manage costs.
Health insurance plans for every stage of life
What should I ask the agent when I speak to them on the phone to ensure I get the plan I need?
When exploring your health plan options, you can ask the agent these questions to help determine if the coverage fits your needs.
- Is this a managed care or an indemnity plan?
- Is this plan ACA compliant?
- Is this a cost-sharing plan or is it real health insurance?
- Is this health insurance or a plan that supplements my current health insurance?
- How much money do I have to pay out-of-pocket annually for medical care?
- Is there a co-pay for doctor visits? If so, what is it? Is there a separate co-pay for specialists?
- Does this plan include dental, vision care, and other special services?
- Can I continue seeing my current doctors?
- Are preventative or routine exams covered?
- Does the plan cover pre-existing conditions? If not, what’s excluded?
- Are prescription costs covered?
- Does this plan have a deductible? If so, how much is it and when does it apply?
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