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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Marketplace
Affordable Care Act Health Insurance Plans
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.
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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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 provides protection against 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.