Indivividual & Family Benefits

As  premiums rise and benefits continue to reduce, know that there are still options available that can protect you in an emergency. These plans are designed to limit your financial liability while offering major medical coverage. Many of these plans include copays for Urgent care, and access to Virtual Physicians to provide care and prescriptions for routine medical events.  

When choosing the right plan on the Marketplace, there are several variables to consider. Your age, income, and where you live are just a few pieces of information used to determine what you could pay for your premium and benefits each month. Let us help you determine what your subsidy 

and cost share might be, as well as understanding the physician/hospital network.  Using a licensed agent can only be a benefit when selecting the right fit for you and your family. In addition, there is no cost to you when using a licensed health insurance agent!

If you are not eligible for a health insurance subsidy, there are options for insurance plans that may or may not be available through the Federal Exchange (Marketplace).  We can help you explore all of the options available to you.

  Most patients have a hard time understanding their dental benefits. There are as many different plans as there are contracts, and dental insurance is not the same as medical insurance. ... Each contract specifies what procedures are covered. Even if a procedure is dentally necessary, it may not be covered.  We can help you understand the coverage and exclusions to dental insurance. 

Vision insurance is not just for people who need to wear glasses. Getting an annual eye exam is an important part of maintaining your overall health, even if you are not noticing any signs of vision problems. A comprehensive eye exam can help detect medical conditions through the retina such as diabetes, high blood pressure, and high cholesterol.

Supplemental insurance for accidents, cancer, and critical illness will give you peace of mind and allow you to focus on your recovery, instead of your financial responsibility   supplemental insurance plans typically pay a cash benefit directly to you to help fill financial gaps when you are sick or injured. The money you receive from a supplemental insurance plan can be used for anything you choose; out-of-pocket medical expenses and deductibles, offset a loss of income, or even pay everyday living expenses. It’s your money. How you spend it is up to you.