Group Health and Medical Insurance Plans
From 2 Lives to 1000 or more. We represent most major carriers with a wide variety of plans to fit your companies needs. Everything from a low deductible to the higher deductible Health Savings Accounts (HSA) and the Health Reimbursement Accounts (HRA). We can handle self insured plans utilizing third party administrators to handle your benefits and to pay claims.
Medicare Supplement Health Insurance
Medicare Supplemental insurance is a kind of health insurance policy sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage.
You must be Medicare-eligible (in general, over age 64.5 years old) and covered under Original Medicare. Medigap policies don’t work with any other type of health insurance, including Medicare Advantage Plans, employer/union group coverage, Veterans Administration (VA) benefits, or TRICARE. Medigap policies help pay some of the health care costs that your Original Medicare Plan doesn’t cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will pay both their shares of covered health care costs. You and your spouse must each buy separate Medigap policies. Your Medigap policy won’t cover any health care costs for your spouse. In each standardized Medicare Supplemental insurance plan, benefits are identical from one company to the next. This makes plan comparison far easier than it is for general individual health insurance. However, premiums may vary between companies. In most cases, you should compare plans from different carriers. As you shop for a Medigap policy, be sure to compare the same type of Medigap policy (for example, compare a Medigap Plan J from AARP with a Medigap Plan C from Mutual of Omaha). You can get a quote from one of our Medicare Supplemental partners by completing the form to your right. Every Medicare Supplemental policy, in order to be designated a “Medicare Supplemental” or “Medigap”, plan has to follow federal and state laws designed to make the buying process easier for the consumer. Medigap insurance companies can only sell you a “standardized” Medigap policy identified by letters A through L. Each standardized Medigap policy must offer the same basic benefits, no matter what insurance company sells it. Cost is usually the only difference between Medigap policies sold by different insurance companies. (You should, however, compare insurance companies on other measures such as customer service and reputation.)
Short Term Medical Insurance
Short term medical insurance plans can protect you against the high cost of medical bills for a period of 30 – 180 days at a very affordable rate. These plans work the same as a major medical plan but for a shorter duration. They will protect you against an unexpected injury or illness while between jobs, waiting for your employer benefits to start or for a recently graduated student
Individual Health Insurance Plans
If you need help on making the right decision, we can help. We have a full line of carriers with products for people from age 0 – 64. You can choose from a variety of carriers that have an array of plans to best fit your individual needs. Everything from low deductible, guaranteed cash plans to tax incentive plans such as a Health Savings Account (HSA) with high deductibles