*Information contained within is not an offering of insurance and may contain inaccuracies. Please refer to your benefit certificate for specific limitations and exclusions. Offerings of insurance are made based only on submitted applications.
About Travel Insurance
What is Travel Insurance?
Travel insurance and trip cancellation insurance provides assistance for and financial protection from a covered loss, event, or incident that interrupts your trip and occurs while traveling, such as a delayed flight. This typically includes protection against loss of airfare, hotel fees and provides other types of professional and personal assistance, including medical care, to help you through the event.
What are the terms?
Travel insurance can be purchased on a per trip basis, or can be renewed or bought annually for those planning to be out of the country or away from home long term. Some companies offer different domestic and international travel insurance plans, as well as specialized policies for students, sports enthusiasts and more.
What is Medical Travel Insurance?
Medical travel insurance most often does not provide trip cancellation benefits, but provides valuable medical coverage when traveling abroad, much like a regular health insurance policy. Most often these types of policies will cover care and services abroad, that are not typically covered by a regular health policy.
How Much is Travel Insurance?
Travel insurance is invaluable when life happens and very affordable, costing generally around 4% of the total trip, up to 8%, depending on what is included in the coverage.
About Our Prepaid Plans
What is Identity Shield?
With today’s technology – cell phones, iPads, etc. – there is a much higher risk of identity theft. Thus, Identity Shield is membership benefits and professional services designed to help individuals monitor and reduce the risk of identity theft.
What does Identify Shield Cover? How does it work?
Members will have access to identity theft professionals, services, information and tips on how to monitor, identify and protect themselves from stolen identity, and/or if needed, help to restore identity. Specifically, members will be more protected from financial loss associated with restoring good name and credit, and be provided cyber-monitoring tools to prevent risk.
What are the terms and how much does Identity Shield cost?
Most plans run month to month with no waiting period to begin using benefits. According to national surveys, plans cost between $25 and $60 per year with a small enrollment fee.
What is Legal Shield?
Legal Shield is a membership that affords members access to affordable legal protection in today’s litigious world. Members have access to and legal assistance for any legal needs they may have from top law firms.
What does Legal Shield cover? How does it work?
Legal Shield is a large network of top law firms, thus members contact their law firm when assistance is needed. Members receive some benefits at no charge, such as advice, letters, document review and prep (wills, affidavits, etc), minor traffic offenses, accident defense, divorce and family matters, IRS issues and more. Other services, that go beyond the standard benefits are greatly discounted.
What are the terms and how much does Legal Shield cost?
Most plans run month to month with no waiting period to begin using benefits. According to national surveys, plans start at $18 per month with additional coverage for trial defense available at around $10 monthly. There is a small enrollment fee.
About Telemedicine Plans
What is Telemedicine?
With rising healthcare costs and out-of-control insurance premiums, Telemedicine is a cost saving strategy offered by our partners to save consumers money on healthcare costs. When you need care, you can connect to a licensed doctor by phone within minutes. You’ll get the same care, professional diagnosis and treatment, and pay only a fraction of an office visit fee. And, it’s available almost anywhere you go.
Following are a few features of telemedicine coverage:
- $0 dollar fee for phone or video visit.
- 24/7 access to a national network of board-certified doctors, avoiding unnecessary urgent and emergency care visits, as well as redirecting many routine or disease management visits that can just as easily be handled remotely.
- Private, secure and confidential visits
- Provides advocacy and support for high-dollar health insurance claims.
- Your prescriptions will be sent instantly to your pharmacy of choice.
- Save big on your prescriptions with our online search tool, helping you to find absolutely the lowest price on your prescriptions with participating pharmacies.
How do Telemedicene plans work?
Plans are provided on a monthly basis and are active with no waiting period, as long as the monthly membership fee (around $30) is paid. There is a small enrollment fee.
To purchase Telemedicine plan, please close this window and click the “GET QUOTE” button. For more information on Telemedicine plans, please call our office 877-559-8100.
About Critical Illness Insurance
What is Critical Illness insurance?
Critical Illness insurance is considered a type of supplemental health insurance that provides benefits in addition to your regular health insurance and/or disability insurance.
Simply put, this special type of insurance coverage can help reduce the personal financial impact of the cost of fighting common types of critical illnesses, such as cancer, heart attack, stroke and more. With the advancements in modern medical technology, Critical Illness insurance is an increasing popular supplemental health insurance policy that allows you to focus more on recovery and less on the financial burden of a critical illness event or diagnosis.
How does Critical Illness Insurance work?
Costs are based on your age and selected benefit amount. There is typically a 30 to 90 day waiting period. Benefits are paid on covered illnesses, once a claim is properly filed and processed. See your plan for more information.
Some key features:
-Lump-sum cash benefit paid directly to you.
-You decide how best to spend your payment.
-No network restrictions.
-Benefit level choices to fit your needs and budget.
To purchase a Critical Illness policy, please close this window and click the “GET QUOTE” button. For more information on Critical Illness Insurance, please call our office 877-559-8100.
About Accident Insurance
What is Accident Insurance?
Accidents can happen anytime. As a supplemental health insurance, Accident Insurance is very affordable and provides benefits in addition to your regular health insurance and/or disability insurance, in the case of a accidental injury. Thus, Accident Insurance can go a long way to protect you from financial hardship due to a great deal of medical, recovery and out-of-pocket expenses that follow accidental injuries.
How does Accident Insurance work and what does it cover?
In the event of a covered accident, Accidental Injury insurance pays benefits directly to you* or anyone you assign. How you use the money is up to you. Cover deductibles and copays for primary care visits and physical therapy, emergency treatment, hospital stays, medical exams, transportation and lodging needs, along with other expenses that regular health insurance doesn’t cover when you have an accident. Some policies can even pay benefits in as little as one day, based on time of claim submission*
- Policies are guaranteed approval
- Lump-sum cash benefit paid directly to you.
- You decide how best to spend your payment.
- No network restrictions.
- Benefit level choices to fit your needs and budget.
*Benefits are only payable when all policy terms and conditions are met – see plan summary for more information.
To purchase an Accident Insurance policy, please close this window and click the “GET QUOTE” button. For more information on Accident Insurance, please call our office 877-559-8100.
About Long Term Care Insurance
What is Long Term Care?
Recipients of LTC are not “sick” in the traditional sense. Instead, they unable to perform some of the activities of daily living such as dressing, bathing, eating, and getting in/out of bed, toileting, walking or other basic activities. Overall, Long Term Care covers services that fall under two general categories which are skilled care and personal care.
- Skilled care is provided when recovering from an illness or an injury.
- Personal care helps maintain the daily activities and functions of life.
As stated, long-term care is usually not medical care and most often does not require a doctor or a nurse. In addition, the need for LTC is not always age related. In fact, statistics tell us that more than half of all individuals age 65 & over will need LTC at some point. Even so, it is important to note that roughly 40% of those receiving LTC today are between the ages of 18 and 64.
Why LTC Insurance?
Regular health insurance, Medicare or Medicaid typically will not pay for Long-Term Care services. The cost of LTC can quickly add up and burden those closest to you, both financially and emotionally. Purchasing a LTC plan can help you avoid those difficult situations, as well as give you the power you need to maintain control of your care, choosing the facilities that best suit your needs. Thus, instead of allowing welfare or the government to make your LTC decisions for you, you are in charge. Additionally, you should be aware that Disability Income Insurance is not designed to cover LTC expenses, but simply replaces part or all of your income during your working years should you become disabled. You need specific coverage to pay for long-term care needs.
Here are examples of what LTC policies may cover:
- Institutional Care: Nursing home, assisted living services, residential care facility, hospice care, adult foster home, respite care and more.
- Home Care: Home health care, adult day care, personal care, homemaker services, hospice care, respite care and more.
To purchase a LTC policy, please close this window and click the “GET QUOTE” button. For more information on LTC Insurance, please call our office 877-559-8100.
About Disability Insurance
What is Disability Insurance?
Disability Insurance protects your ability to earn a living during your working years. In other words, it protects one of your most valuable assets. And, this is pretty important considering that statistics show our chances are greater of becoming disabled than dying between the ages of 25 & 45. During the time you are unable to work due to a qualifying disability (illness or injury), the replacement of your regular income through a monthly benefit provided by disability insurance helps to maintain your pre-disability lifestyle.
Employers often provide standard short-term disability (STD) and long-term disability (LTD) insurance to meet federal guidelines. Individual disability income insurance can be customized to meet your needs and considers your occupation, age, income and other factors in determining your cost and monthly benefit payment amount.
Who needs coverage?
Individuals who do not have disability through their employer can purchase an individual disability policy. Additionally, self-employed individuals who desire disability coverage can also purchase an individual policy. Even those who already have disability insurance through their employer, may wish to consider a “wrap around” disability policy to supplement their employer provided coverage.
What type of coverage is available?
A standard Short Term Disability (STD) policy allows for income payments to begin after a two-week waiting period. Payments will continue to the insured until he/she recovers or maxes out the benefits. Thus, total benefits for a STD could last for anywhere from one month to two years, depending on the policy.
A Long Term Disability (LTD) policy allows for income payments to begin after a ninety-day waiting period, although it could be much longer depending on the policy. Once payments begin, they will continue far longer than STD. Thus, the total benefits for a LTD could last for a few years, up to age 65, or even for life.
To purchase a Disability Insurance Policy, please close this window and click the “GET QUOTE” button. For more information on Disability Insurance, please call our office 877-559-8100.
About Dental and Vision Insurance Plans
Individual Dental Plans
Individual dental plans are inexpensive and can contribute greatly in promoting overall good health. Studies have shown that regular dental exams can optimize oral health to prevent cavities and bad breath. In addition, they help to detect serious medical conditions such as heart disease and diabetes. Some studies have even shown that people who have dental insurance suffer less from depression.
Dental plans can range from a PPO or HMO to Pre-Paid, Fee-for-Service, and Discount on a variety of diagnostic and preventative care services including cleanings, exams, x-rays, fillings, orthodontia for children, and emergency care while traveling.
Individual Vision Plans
Take care of your eyes with an individual vision plan that can be purchased separately or combined with your major medical insurance. Individual vision plans are similar to individual dental policies, as they are inexpensive and save you money on routine eye care, such as exams, eyeglass frames and lenses, contacts, and even offer big discounts on procedures like LASIK. Additionally, monitoring your eye health with regular exams helps to prevent serious eye diseases like glaucoma and cataracts, and also helps to detect early stages of diabetes, high blood pressure, and high cholesterol.
To purchase a Dental or Vision Plan, please close this window and click the “GET QUOTE” button. For more information on Dental and Vision Plans, please call our office 877-559-8100.
About Life Insurance
Term Life Insurance
When you pass, Term Life Insurance will help pay for your final expenses, your mortgage, your taxes, and the living expenses of your loved ones when they no longer have your income. Depending on how much insurance you buy, you can even help pay for your children’s college education.
Term Life Insurance covers you for a set period of time provided you pay the monthly premium, or in some instances, a lump sum in advance. The policy will pay to the named beneficiary the face amount of the policy (set benefit and/or lump sum) upon death of the insured within the stated term. Depending on the policy, it may also make payments upon terminal or critical illness.
Whole Life Insurance (Permanent Life Insurance)
In addition to paying a death benefit, this type of life insurance policy helps you save for the future by building a cash value that has many benefits to the insured, such as borrowing against the policy or building a tax deferred investment income. Whole life, variable life and universal life are all types of cash value life insurance. Cash value insurance is also known as permanent life insurance because it provides coverage for the policyholder’s entire life.
To purchase a Life Insurance policy, please close this window and click the “GET QUOTE” button. For more information on Life Insurance please call our office 877-559-8100.
About Our Health Insurance Plans
Major Medical Health Plan (Open Enrollment Nov 1 to Dec 15*)
An HMO health plan requires you to appoint a primary care physician and to use doctors and facilities that are affiliated with the HMO. If you use healthcare service providers outside of the HMO, there is a good chance those charges won’t be covered by your policy. Therefore, the great thing about an HMO is that the only charges you incur, outside of your premiums, are co-pays for doctor’s visits and other services such as procedures and prescriptions.
A Preferred Provider Organization or PPO health plan will save you money on services if you use the preferred providers within the network. But, keep in mind that deductibles must be met on this plan before some services will be covered. However, a PPO will generally allow a certain amount of services annually outside of the deductible with a small co-pay. In addition, the PPO has a large network with quality care providers and excellent prescription drug coverage.
Catastrophic Plans are great for those healthy individuals who do not expect to need medical care throughout the year other than routine preventative care. Accordingly, these plans are generally available for those people under age 30. However, you should be aware that catastrophic plans may or may not contain the essential benefits required by the ACA to avoid a tax penalty.
Federal Marketplace Health Plans (Open Enrollment Nov 1 to Dec 15*)
When we help you purchase your health insurance through the Federal Health Insurance Marketplace, you may be eligible for a tax credit which is discounted from your monthly. Families earning up to $94,000 per household can qualify. This equals about about 400% of the poverty level. We suggest you the Marketplace Subsidy Calculator to see if you qualify.
Short Term Health Plans
Temporary or Short Term Medical Plans are health plans designed for times of transition and help to bridge gaps in coverage for individuals and families. Short term plans are generally less expensive than traditional health insurance, but they do not provide full coverage and they typically do not cover pre-existing conditions. Based on your needs, you can select the length of time (1 to 11 months in many states) and from a range of available deductible amounts.
Additionally, short-term health insurance plans do not contain the essential benefits required by the Affordable Care Act (ACA) to avoid penalty.
Affordable Care Act (ACA) Exempt Health Plans
Individuals may be subject to a tax penalty if they do not comply with the “Essential Benefits” mandate of the Affordable Care Act (ACA). In other words, their health insurance policy must contain certain essential benefits to avoid a tax penalty. ACA Exempt Health Plans are health plans that are non-compliant with the essential benefits mandated by the Affordable Care Act (ACA), but most often provide customized health benefits that you need at a much less expensive premium. Certain individuals that may be exempt from the ACA requirement (click here for more information) may want to consider an ACA Exempt Health Plan. Individuals who need coverage, but have missed the open enrollment period and do not qualify for special enrollment (click here for more information) may also benefit from an ACA Exempt Health Plan.
To purchase a Health Insurance Plan, please close this window and click the “GET QUOTE” button. For more information on our Health Insurance Plans, please call our office 877-559-8100.
For more information on Open Enrollment and the ACA, click here.
States We Are Licensed In