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We are committed to providing you with the best insurance coverage and customer service possible. Our team of experienced professionals is here to help you find the right policy to fit your needs and budget. Explore our website to learn more about our services and contact us today to get started.
Insurance types
Individual, Family, Self-Employed
Types of Insurance Available
🩺 Medical
Medical insurance helps cover the cost of healthcare, including doctor visits, hospital stays, prescriptions, and preventive services. Plans may be fully insured, level-funded, or self-funded, and can vary in network type (HMO, PPO, EPO). Coverage typically includes primary care, specialist visits, emergency services, and routine preventive screenings.
🏛️ ACA Marketplace Plans
ACA (Affordable Care Act) Marketplace plans are federally regulated health insurance options available through Healthcare.gov or state exchanges. These plans must include 10 essential health benefits, such as maternity care, mental health services, and prescription drugs. Eligibility for subsidies is based on household income and family size.
⏳ Short Term Medical Plans
Short-term medical insurance is a temporary coverage option designed to bridge gaps between major plans. These policies are often more affordable but may exclude pre-existing conditions, prescriptions, and preventive care. Ideal for those in transitional periods, like job changes or waiting for ACA enrollment.
😁 Dental
Dental insurance covers preventive, basic, and major oral care. Most plans include twice-yearly cleanings and exams, as well as discounts or coverage for fillings, crowns, root canals, and orthodontics (depending on plan). Plans may have annual maximums and waiting periods for certain procedures.
👓 Vision
Vision insurance helps pay for eye exams, prescription glasses, contact lenses, and sometimes discounts on LASIK surgery. Most plans offer coverage for annual vision screenings and a set allowance for frames or lenses through participating providers.
🏥 Hospital Indemnity Insurance
Hospital indemnity plans provide cash benefits if you're admitted to a hospital due to injury or illness. These funds can help cover out-of-pocket expenses, such as deductibles, copays, travel, or lost income—not usually covered by standard health plans.
💗 Critical Illness Insurance
Critical illness insurance pays a lump sum benefit if you’re diagnosed with a covered condition like cancer, heart attack, stroke, or organ failure. This coverage helps reduce financial strain so you can focus on treatment and recovery without worrying about bills
🚑 Accident Insurance
Accident plans typically offer fixed payments or reimbursement for unexpected injuries, including fractures, burns, sprains, and emergency care. Ideal for active individuals, families, or anyone seeking to enhance their protection alongside their medical plan.
Group Employee Benefits -
Employer Groups with 2+ Employees
🧑💼 Small Group Insurance (1–49 Employees)
Small group health insurance is designed for businesses with 1 to 49 full-time employees. These plans typically offer standardized benefits and follow state and federal regulations like the Affordable Care Act (ACA), including guaranteed issue and essential health benefits. Employers may qualify for SHOP Marketplace plans or private options, and premium contributions can be tax-deductible. Coverage is customizable to support the needs of small teams, startups, and growing businesses.
🏢 Mid-Size Group Insurance (50–100 Employees)
Mid-size groups (50–100 employees) are subject to the ACA’s employer mandate, requiring applicable large employers (ALEs) to offer minimum essential coverage to full-time staff. These groups often have more flexibility in plan design, including level-funded and partially self-funded options. Carriers may offer deeper customization in benefits, cost-sharing structures, and wellness incentives to improve employee retention and manage long-term costs.
🏢💼 Large Group Insurance (100+ Employees)
Large groups—those with 100 or more employees—can access highly tailored health insurance plans. These employers typically have broader access to self-funded arrangements, multiple network options, experience-rated premiums, and advanced analytics to monitor usage and control costs. Plans may include robust benefit tiers, voluntary add-ons, and integrated compliance support, with a greater emphasis on strategic benefits planning and HR coordination
⚙️ Self-Funded Health Plans
Self-funded (or self-insured) health plans enable employers to directly cover employee healthcare costs, rather than purchasing traditional insurance. Often used by mid- to large-size groups, these plans offer greater control, customization, and potential savings, especially when paired with stop-loss insurance to protect against high claims. Employers can tailor coverage to match their workforce’s needs while leveraging claims data for cost management and wellness planning.
Medicare
Insurance for 65+ or Individuals with Qualifying Disabilities
🧓 Medicare Advantage (Part C)
Medicare Advantage plans are offered by private carriers and combine Medicare Part A and Part B into one all-in-one option. Many include prescription drug coverage, dental, vision, and wellness benefits, with network-based provider access
🩺 Medicare Supplement Insurance (Medigap)
Medigap policies help pay for out-of-pocket costs like deductibles, coinsurance, and copays not covered by traditional Medicare. These plans offer predictable expenses and broader provider flexibility, especially for frequent healthcare users
💊 Medicare Part D –Prescription Drug Coverage
Medicare Part D offers prescription drug coverage for individuals enrolled in Medicare. These plans help lower the cost of medications and are available through private insurance companies approved by Medicare. Coverage includes tiered formularies, network pharmacies, and cost-sharing options based on income and medication needs.
⚰️ Final Expense Life Insurance
Final Expense Insurance—also known as burial insurance—provides affordable life coverage designed to cover funeral costs, medical bills, and end-of-life expenses. These plans are typically easy to qualify for, with smaller face values and simplified underwriting, making them ideal for seniors or those wanting peace of mind for loved ones.
✈️Travel Insurance
Travel
Travel insurance protects you against unexpected issues during domestic or international trips. Plans can include coverage for trip cancellations, medical emergencies, lost baggage, travel delays, and evacuation services. Whether it’s for a quick getaway or extended vacation, travel insurance helps ensure peace of mind wherever you go.
Life Insurance
Life Insurance
Life insurance provides financial support to your loved ones in the event of your passing. Plans range from term policies for specific time periods to whole life and universal policies that build cash value over time. Coverage is customizable to fit personal and family goals.
Other Ancillary Products
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🐾 Pet Insurance
Pet insurance helps cover unexpected veterinary costs for your dogs, cats, and other furry companions. Plans typically reimburse for accidents, illnesses, surgeries, and emergency care, with optional add-ons for preventive wellness, such as vaccinations, dental cleanings, and annual exams.
⏳ Short-Term Disability
Short-term disability (STD) provides temporary income replacement if you're unable to work due to illness, injury, or recovery (e.g. surgery, childbirth). Benefits typically begin after a 7–14 day waiting period and last 3 to 6 months, depending on the policy.
📆 Long-Term Disability Insurance
Long-term disability (LTD) kicks in when a serious condition prevents you from working for an extended period—months, years, or even until retirement. Benefits usually begin after a 90-day elimination period and can last 5, 10, 20 years, or to age 65+.
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