Subsidized Health Plans-Obamacare are available to everyone who qualifies for a tax subsidy or tax credit whether employed, self employed, or unemployed. Understanding how subsidies and tax credits work, enrollment periods, penalties and the plans available on the Federal Marketplace is so much easier with the help of experienced, licensed healthcare agents such as us. We can explain all your options and find the absolute best plan for your health needs and budget.
We truly enjoy making this happen for you.
Short Term Health Plans
Short Term Health Insurance Plans are extremely affordable and designed for transition times such as between jobs and other health plans. Particularly invaluable while waiting for the Obamacare
enrollment time period. They are available for a maximum of 12 months.
Group Health Plans
Small Group Health Plans provide insurance for 2 to 50 employees.
Large Group Health Plans provide insurance for groups of over 50 employees.
Accident and Disability
Accident and Disability Insurance pays cash benefits directly to you when you suffer an accident or major illness. Cash is paid in a lump sum per day and/or per incident to use towards any of your treatments, surgeries or related expenses.
Life Insurance provides peace of mind knowing that your family will be taken care of should they lose you. We will explain the differences between Term insurance and Universal Life Insurance so that you can choose the right insurance for your family.
Dental Insurance pays for all or part of the cost of cleanings, extractions, check-ups, x-rays, fillings, caps, crowns, root canals and dentures.
Non-Subsidized Health Plans are available for folks whose incomes don't qualify them for a tax subsidy or tax credit. These plans are compliant with the Affordable Health Care Act. We will explain and compare the plans in order to find the right plan for you or you and your family, one that will fill your health needs and work within your budget.
Medcare Supplements and Prescription Plans often called Gap Coverage, cover the costs that Medicare does not pay for. When you are new to Medicare the many parts can be overwhelming but we are trained to help you by explaining the different plans and finding the one that meets your individual health needs and budget.
Long Term Care
Long term Care Insurance pays for expenses which are not covered by health insurance or Medicare and allows a person to receive care and assistance with daily activities in their own home.
Travel insurance covers trips out of the state or the country. It pays for emergency medications and emergency evacuations. Guarantees care and hospitalization, pays for a friend or loved one to travel to where you are, provides translation services and more.
Final Expenses Insurance pays cash to your family to use towards funeral costs and other related expenses that would otherwise be a financial burden to your loved ones.
Accupuncture is covered in certain health plans.