HEALTH INSURANCE PLANS
Affordable Health Plans, That Won't Break the Bank!
We are one of the nations top Managing General Agencies for helping provide more affordable options for individuals. Click here to see our recognition letter from CMS.
More and more people are beginning to realize that an individual plan is more secure and consistent than relying on group benefits, rarely do people keep the same job, or a movement that is on the rise where people would like to retire early, health insurance will be the biggest missing hole in your financial planning strategy. Now that individual plans have no life time maximums, meaning no matter how much your healthcare cost, your premiums can not be increased and the carrier can not drop your coverage, plus plans are guaranteed issue, meaning you can't be turned down our singled out based on any pre-existing conditions.
On exchange plans will provide more coverage to people, and understanding how to leverage tax components is a smart way to make your plans more affordable. Although anyone can facilitate their own application online, we don't recommended it, there is no cost to obtain a expert in the field of life and health insurance, this will help ensure your best chance of getting comprehensive coverage at the best rates.
As an experienced independent agency licensed and certified to sell Health Insurance we offer:
- FREE SUPPORT, EDUCATION THROUGH OUR BENEFIT PORTAL AND GUIDANCE from a specialized agents.
- We represent YOU the client NOT the carrier, you can rest easy knowing we have your best interest in mind.
Click The Toggles Below To Learn More About Your Health Insurance Options.
Health Savings Account (HSA)A HSA combines a high deductible/lower premium health insurance plan (PPO) with a savings account. Both employer and employee can contribute, tax-free to the savings account, which can help fund the deductible and other qualified medical expenses. Once the deductible is met, the insurance starts paying.
Dental PlansRegular dental exams help employees stay healthier and more productive in the work place. Simple routine visits to the dentist, which are usually covered 100% by insurers, help to detect serious underlying conditions. The National Association of Dental Plans and the Centers for Disease Control have performed studies that show that employees with Dental Insurance plans have better attitudes and are less likely to suffer from depression, a common condition in today’s fast-paced world. Dental Plans offer a variety of diagnostic, preventative care and corrective services. These include cleanings, exams, x-rays, fillings, root canals, orthodontia for children, and emergency care while traveling.
Vision PlansSimilar to dental policies, vision plans are inexpensive and save money on routine exams. They provide eyeglass frames and lenses, contacts, and even discounts on procedures like LASIK. Monitoring your eye health with regular exams also helps to prevent serious eye diseases like glaucoma and cataracts and also helps to detect early stages of diabetes, high blood pressure, and high cholesterol.
Health Maintenance Organization (HMO)A HMO requires group members to obtain their health care services from doctors and hospitals affiliated with the HMO. Members are required to designate a primary care physician who treats and directs health care decisions and who coordinates referrals to specialties within the HMO network. HMOs offer access to a comprehensive package of covered health care services in return for a prepaid monthly amount (or “premium”). Most HMOs charge a small co-payment depending upon the type of service provided.
Preferred Provider Organization (PPO)A PPO saves members the most money on healthcare if they use providers within their network. If providers outside of the network are used, it is possible that those services may not be covered at all. Deductibles must be met on this plan before some services will be covered. PPOs require a co-pay for physician visits.
Nov 1st through Dec 15th
- Loss of health coverage
- Losing existing health coverage, including job-based, individual, and student plans
- Losing eligibility for Medicare, Medicaid, or CHIP
- Turning 26 and losing coverage through a parent’s plan
- Changes in household
- Getting married or divorced
- Having a baby or adopting a child
- Death in the family
- Changes in residence
- Moving to a different ZIP code or county
- A student moving to or from the place they attend school
- A seasonal worker moving to or from the place they both live and work
- Moving to or from a shelter or other transitional housing
- Other qualifying events
- Changes in your income that affect the coverage you qualify for
- Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
- Becoming a U.S. citizen
- Leaving incarceration (jail or prison)
- AmeriCorps members starting or ending their service