Individual & Family Coveragemore
Our health programs range anywhere from extensive coverage to high-deductible programs which are designed to protect against catastrophic financial losses. As an independent agency, we can provide plans from numerous health insurance companies. Contact us for a customized quote comparing the top health insurance plans for you.
You may also use the online forms below for quick quotes on Medical, Life and Dental. If you are considering Individual or Family Coverage can get a quote or apply online.
Get a Quote or Enroll Online
Please choose from our two top providers to find a plan that best fits your needs, or contact us to compare more providers.
Group Health Insurancemore
- Alternate health plans
- Health Reimbursement Accounts (HRA)
- Health Savings Accounts (HSA)
- Flexible Spending Accounts (FSA)
- Voluntary life
- Long term disability
- Short term disability
- Critical illness
- Long term care
Health Insurance for Medicare Eligible Individualsmore
Americans aged 65 or older and people with certain disabilities may qualify for Medicare, a federal health insurance program.
In many parts of the country, people eligible for Medicare can choose between the traditional Medicare fee-for-service plan and various managed-care plans. The traditional plan is often referred to as Part A (hospitalization) and Part B (physician care). As of 2006, Medicare also has an optional program, known as Part D, that covers some prescription drug costs. You can switch between the traditional plan and a managed-care plan for any reason. However, you must officially notify the plan or the local Social Security office, and it may take up to 30 days for the change to take effect.
Those enrolled in the traditional Medicare plan can purchase private insurance to help cover some of the gaps in Medicare coverage. These supplemental policies, sometimes called Medigap or Medicare Supplements (MedSupp), are required by law to cover certain expenses, such as the daily coinsurance amount for hospitalization. Some policies may offer additional benefits, such as coverage for preventive medical care, prescription drugs, or at-home recovery.
The one thing that almost every employee wants and needs is health insurance. More than 80% of employees say that hospital and medical coverage is the most important benefit an employer can provide. Fortunately, there are plenty of options, each offering tradeoffs between flexibility and affordability. The most common health plans are health maintenance organizations (HMOs), preferred provider organizations (PPOs), point of service (POS) plans and indemnity plans. Choosing the right program for your employees involves careful tradeoffs between cost and choice. If cost is your paramount concern, an HMO or POS plan might be your best bet. If choice is what you’re after, indemnity plans and PPOs often offer the greatest flexibility when it comes to picking providers.