Health Insurance
Find the right health insurance plan for you and your family.
We compare coverage options from our trusted partners.
What is Health Insurance?
Healthcare for You
and Your Family
Financial Protection for
Health Costs
Customize Your
Coverage
What Types of Health Insurance Plans and Packages are Available?
The plans below can be purchased as standalone products or paired with others.
To find the right plan that meets your individual health needs, many factors need to be discussed. We shop with various National and Regional Health Insurance Companies across the county. We will work to find a plan that best meets your needs.
Health Insurance Plans
We shop plans that cover all 10 essential health products required under the Affordable Care Act.
Major Medical Insurance
About
Major medical insurance plans can vary greatly. However, they all must cover the 10 essential health benefits as mandated by the Affordable Care Act.
Plan
It's important to discuss your unique healthcare insurance needs with a licensed insurance professional in order to find a plan that provides the level of protection needed.
Recommended For
Recommended for individuals who have big life changes such as losing their current health insurance, starting a family, getting married, moving, and more.
Eligibility
Individuals can enroll during a plan's open enrollment period or during a special enrollment period due to a qualifying life event such as getting married or divorced, having a baby or adopting a child, getting a new job or losing your job, moving to a new zip code or county, turning 26 years old, or losing eligibility for Medicare, Medicaid, or CHIP.
Short Term Major Medical
About
Short Term Major Medical health insurance is temporary medical coverage that is helpful for those who want coverage in case of medical emergencies. People who are awaiting an enrollment period or between plans may benefit from it.
Plan
Plans vary but are usually available for 12 months or less, with various plan options.
Recommended For
Recommended for individuals between jobs, those who missed open enrollment, or those working short-term contract jobs who aren't eligible for company coverage.
Eligibility
To qualify, you will need to complete a health questionaire.
Supplemental Health Insurance Plans
The supplemental health coverages below are additional protection that can help cover healthcare cost if your major or short term major medical insurance policy doesn't provide as much coverage as you'd like.
Dental, Vision and Hearing
About
Supplement coverage that offers dental, vision, and hearing health insurance.
Recommended For
This product is great as a stand-alone policy for individuals and families looking for coverage.
Individual Accident
About
Accident Insurance provides a lump sum cash benefit to help cover out-of-pocket medical and/or other expenses incurred as a result of an accidental injury on or off the job.
Recommended For
Individuals or families may benefit from this insurance product. It is a nice compliment to a Major Medical or Short Term Health Insurance Policy.
Critical Illness
About
This covers a an insured who is diagnosed with cancer, heart attack, stroke, kidney failure, and/or organ transplant. Extended Plans are also available to include coverage for paralysis, severe burns, and loss of sight, speech, and/or hearing for an additional premium. In some states, a Return of Premium Option is also available.
Recommended For
The product can help provide financial relief to individuals experiencing a critical illness.
Accident Hospital Indemnity
About
Hospital indemnity and accident insurance provides a cash payment to help cover hospital costs related to an accident or illness. Inpatient and outpatient services (i.e. planned procedures) are typically covered.
Recommended For
Individuals or families may benefit from this supplemental coverage, especially if existing health insurance policies does not provide the level of hospitalization coverage you'd like.
Disability Income
About
Supplemental coverage that can help replace your income in the event that you become disabled due to an illness or injury that prevents you from working.
Recommended For
It's valuable coverage if you want financial reassurance or if you have family members who depend on your income.
Cancer
About
Supplemental insurance coverage that provides a lump sum cash benefit in the event that you're diagnosed with cancer.
Recommended For
Best for individuals who want extra financial security in the event that they receive a cancer diagnosis.
Hospital Fixed Indemnity
About
Supplemental insurance coverage that pays you or the hospital provider directly a fixed benefit amount for costs related to hospital confinement or specified medical or surgical expenses that occur in a hospital.
Recommended For
Best for individuals who want extra financial protection in case of unexpected hospital expenses.
Telemedicine
About
Telemedicine provides individuals access to U.S. based physicians 24/7/365, over the phone or by video chat.
Recommended For
Best for individuals or families who want access to a doctor or mental health professional without copays and waiting rooms.
Factors That Can Potentially Impact Your Rate
Some health insurance plans may consider a person's health status and health history when calculating rates.
However, Major Medical insurance plans follow Affordable Care Act (ACA) guidelines so rates will not be effected by medical history or pre-existing conditions.
Major medical plans provide comprehensive coverage that includes the 10 essential health benefits: ambulatory (outpatient) services, emergency services, hospitalization, pregnancy / maternity / newborn care, mental health and substance use disorder service, prescription drugs, rehabilitation and habilitation services and devices, lab services, preventative and wellness services, and pediatric services.
Supplemental health insurance plans provide additional coverage for specified medical conditions to help you pay for costs not covered by your primary health insurance.
We'd be happy to help you shop for health insurance. Give one of our licensed agents a call at 1-844-358-5605 today to see what options may be available.
Protecting Customers Since 1980
Read what customers are saying about our service.
