Insurance Services
Check out the variety of services we are able to assist you with and the providers we have access to!
Medicare
Medicare Supplement
Medicare Supplement plans are also known as Medigap plans and are designed to help cover some of the costs (copayments, coinsurance and deductibles) that are not covered by Original Medicare. In general, Supplements allow you to see any provider as long as they accept Medicare. These plans are sold by private insurance companies.
Medicare Advantage Plans
Medicare Advantage plans are also known as Medicare Part C plans. These plans are offered by private companies that contract with Medicare. Your Medicare services are not billed to nor paid for by Original Medicare. Most Medicare Advantage plans offer prescription drug coverage. Plan can be in the form of PPO (Preferred Provider Organization), SNP (Special Needs Plan), MSA (Medicare Savings Account), and HMO (Health Maintenance Organization). Most of these plans will provide coverage within a specific network of doctors so it is important to make sure that your providers are in-network.
Perscription Drug Plans
Prescription drug plans are also known as Medicare Part D. You have two options when obtaining this coverage, stand-alone or within an MAPD (Medicare Advantage Prescription Drug) Plan. Both types of plans are offered by insurance carriers and regulated by Medicare. Medicare outlines the dollar amounts for maximum deductibles. Each plan determines their specific list of covered medications (known as the formulary), their medication tiers and the cost to you for each medication in the specific tiers. Some states also offer Pharmaceutical Assistance Programs.
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Health Insurance
Affordable Care Act (Marketplace/Healthcare.gov)
OR
Short Term Medical
Health Insurance Marketplaces (also known as Exchanges) are markets for buying health insurance that will offer a choice of different plans. Premium and cost sharing subsidies will be available through the Marketplace to reduce the cost of coverage for individuals and families, based on their income. The most common marketplace is accessed through healthcare.gov. We help individuals and groups in registering and obtaining a credit and cost reduction for their insurance needs through the Marketplace using Centers for Medicare Service guidelines.
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Employer Health Insurance
In most states, small group health insurance is a medical insurance plan purchased by companies with 50 or fewer employees. We’ll consider the needs of your employees and their dependents to find a plan that will suit the diverse medical and financial needs of the group.
What is an ICHRA?
ICHRAs allow employers of any size to designate funds that employees can access tax-free to reimburse the cost of individual health insurance coverage. The ICHRA may also cover Medicare premiums, out-of-pocket medical, dental, and vision expenses should the employer deem these expenses eligible under that plan.
What are the benefits of an ICHRA?
Budget Friendly
Many employers make health plan changes based on cost savings for the company and its employees. With an ICHRA, the employer decides how much is reimbursed based on a budget that works best for the company, essentially eliminating the headaches caused by group health plan renewals.
Flexibility
ICHRA’s are flexible for both the employees and the employer. For employees, they are free to choose the health coverage that best fits their needs while not having to worry about the network and coverages of a group health plan. For employers, businesses can establish different contribution amounts for different classes of employees, such as;
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Full-time employees
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Part-time employees
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Employees who are paid on a salaried basis
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Non-salaried employees (e.g., hourly employees)
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Employees whose primary site of employment is in the same rating area (as defined under health care reform’s rules for establishing individual market premiums)
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Seasonal employees (as defined under Code §4980H or the Code §105 regulations, as elected by the ICHRA sponsor)
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Employees included in a unit covered by a particular collective bargaining agreement (or an appropriate related participation agreement) in which the ICHRA sponsor participates, as described under Code §105
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Employees who have not satisfied a waiting period for coverage, if the waiting period complies with health care reform’s waiting period requirements
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Nonresident aliens with no U.S.-based income
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Employees hired for temporary placement at an unrelated entity
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Employees who are in a combination of two or more of the classes (e.g., full-time employees covered by a particular collective bargaining agreement)
Attract and Retain Talent
Small businesses often can’t compete with the deep pockets of larger employers that offer a group health plan. ICHRAs give employers the ability to fund a dollar amount that works best in their budget while also providing reimbursement to employees for their qualifying coverages. Some employees prefer the flexibility of choosing their own coverage.
ACA Compliant
ICHRA plans are considered ACA compliant as they are considered minimum essential coverage and employer contributions are deemed affordable when designed properly.
Life Insurance
Purchasing life insurance enters you into a contract with an insurance company that will provide your beneficiaries with an amount of money upon your death. In return, you make payments, called premiums. The premium amount is based on factors such as age, gender, medical history, and the dollar amount of life insurance purchased. Life insurance can be purchased as income replacement, to leave a legacy or to ease the burden of funeral costs.
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LIFE INSURANCE ISN'T FOR YOU, IT'S FOR THOSE YOU LOVE:
Dental & Vision Insurance
Need help with dental bills? Dental insurance is designed to offer you coverage for common dental care issues and to help you budget for dental services. Many plans cover preventive, basic and major services with a range of premiums, deductibles and benefits. Some plans have no age restrictions. If you are only on Original Medicare, there are no routine dental benefits included.
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​Vision plans may cover an annual comprehensive eye exam, frames or contacts, and lens enhancements. Other things to consider are how often you want new glasses and your overall frame allowance.
Short Term Medical Plans
Temporary medical insurance that can help with unexpected health care expenses during a period of transition. Policies can be purchased for periods from 30 days to 18 months. These plans are perfect for those who are between jobs, recently retired and not yet eligible for Medicare, waiting for employer-based coverage, looking for a lower-cost alternative to COBRA or recent college graduates. Short term plans are not compliant with the Affordable Care Act (ACA) and do not have coverage requirements. Pre-existing conditions are not covered, and applicants are subject to answering medical questions and receiving underwriting approval.
TRAVEL COVERAGE
Going on a trip? Travel coverage is particularly important for international travelers, as standard health insurance plans sometimes won’t cover medical bills from another country. A reliable travel insurance plan with medical coverage can take care of medical care and related costs, including the expensive cost of patient transport if it includes an emergency medical evacuation benefit.