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With over 17 years' experience, we have spent our careers helping individuals, families and employers research their options. We use a methodical, proven approach to research and analyze your options to help minimize your costs and risk.
We offer plans from numerous health insurance carriers, and we're committed to helping find your solution. We don't charge for our services and there is no obligation.
The Marketplace offers a variety of health insurance plans under the Affordable Care Act (ACA). These plans provide individuals and families with access to comprehensive coverage at affordable rates. Whether you are looking for basic coverage or a more comprehensive plan with additional benefits, the marketplace has options to meet your needs. With the ACA, you can also benefit from certain protections, such as no denial of coverage based on pre-existing conditions and coverage for essential health services.
Medicare Advantage Plans, also known as Medicare Part C, are health insurance plans provided by private companies that offer an alternative to Original Medicare. These plans combine the benefits of Medicare Parts A and B, and often include additional coverage, such as prescription drugs, dental, vision, and hearing services.
Medicare Supplement Plans, also known as Medigap, are additional insurance policies offered by private companies to cover the gaps in Original Medicare coverage. These plans work alongside Medicare Part A and Part B to help pay for services such as deductibles, coinsurance, and copayments.
It is important to note that Medigap plans do not cover prescription drugs, so you may need to purchase a separate Part D plan for medication coverage.
Medicare Part D is a prescription drug coverage program provided by the federal government. It is a voluntary program that helps individuals with Medicare pay for their prescription drugs. Medicare Part D offers a variety of prescription drug plans, each with its own list of covered drugs and costs. Beneficiaries can choose the plan that best suits their needs and budget. The program helps to lower the cost of prescription medications and provides coverage for both generic and brand-name drugs. Medicare Part D also includes a coverage gap, commonly known as the "donut hole," where beneficiaries may have to pay a larger share of their drug costs until they reach a certain threshold. Overall, Medicare Part D aims to ensure that individuals on Medicare have access to affordable and necessary medications.
Dental plans are a type of insurance that covers the cost of dental care. These plans can help individuals and families save money on routine dental procedures such as cleanings, fillings, and X-rays. They typically have a network of dentists that participants can choose from, and often offer discounts on services provided by these dentists. Dental plans can be an affordable way to ensure that you and your family have access to quality dental care without breaking the bank. Whether you need a simple check-up or more extensive treatment, having a dental plan can give you peace of mind knowing that your oral health needs are covered.
Employer group plans are comprehensive insurance packages designed specifically for employers. These plans are tailored to meet the unique needs of employers and their employees, providing a wide range of coverage options. With employer group plans, employers have the ability to offer their employees health, dental, and vision insurance, along with other benefits such as life insurance and disability coverage. These plans are typically more cost-effective than individual insurance plans, as they allow employers to pool risk and negotiate better rates with insurance providers. By offering employer group plans, employers can attract and retain top talent, as well as promote a healthy and productive workforce. It is important for employers to carefully consider their employees' needs and budget when selecting the right employer group plan for their organization.