Affordable Care Act (ACA)

Major Medical Health Insurance Policy that conforms to the regulations set forth in the Affordable Care Act (Obamacare).

These types of plans are required to be ACA-Compliant with ACA's individual mandates. All plans must cover 10 essential health benefits: 

  • Ambulatory patient services (outpatient care you get without being admitted to a hospital)
  • Emergency services
  • Hospitalization (like surgery and overnight stays)
  • Pregnancy, maternity, and newborn care (both before and after birth)
  • Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
  • Prescription drugs
  • Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
  • Laboratory services
  • Preventive and wellness services and chronic disease management
  • Pediatric services, including oral and vision care (but adult dental and vision coverage aren't essential health benefits)

A Major Medical Health Insurance plan that has these base benefits are offered through private health insurance participating ACA Companies. 

Apply for Health Insurance

Dental Insurance:

Dental Insurance pays a portion of costs associated with preventive, minor, and some major dental care.

  • Dental plans include coverage for preventive care like routine exams, cleanings, and X-rays. Some plans require a copay for preventive services while others cover those services 100% with no copay
  • It does depends on the plan you choose, but preventive services are usually covered. Many dental plans also include coverage for basic services like fillings and extractions, and major services like root canals, crowns and more.
  • Some insurance plans have waiting periods. Sometimes there are no waiting period on preventive services once you become covered.
  • As soon as you purchase the dental insurance you would be able to use the preventive care benefits. While some plans have no waiting periods, on other plans basic and major services may have waiting periods ranging from 4 to 12 months.
  • When using In-network dentists that have agreed to a lower negotiated rate on services, meaning you pay less before your insurance carrier even gets involved. When using out of network dentists this mean a dentist can bill a patient for any remaining amount up to the billed charge. It's always a good idea to check to see if your doctor is in-network before you buy a dental plan. If you already have a dentist, be sure to confirm if he or she is in-network to assure a more affordable experience for yourself.
  • Many dental plans have no age limit for coverage, so customers of any age can enroll in coverage. However, there are plans available specifically geared towards customers around Medicare age that may offer more age-relevant benefits.
Apply for Dental Insurance

Accident Insurance: 

Accident Insurance is insurance that pays benefits for accidental injuries. 

  • Consider the affect a common accident may have on your financial situations. Because you never know when you or someone in your family could get hurt In an accident, an accident insurance policy, can be helpful when the unexpected happens. 
  • Accidental benefits normally paid directly to you so you can use the money to help with unexpected medical costs due to accidental injury
  • Can help with accident injury medical costs that can help pay health insurance deductibles, copays and coinsurances.
  • Multiple benefit levels you can choose so you have the flexibiltiy of finding comfortable covage that fits your budget.
Apply for Accident Insurance

Cancer insurance

Cancer insurance is an insurance policy that pays a lump sum of money if the policy holder is diagnosed with cancer. 

  • These plans have payouts that typically range from $5,000-$200,000 ( plans with higher payouts have higher premiums).
  • The money from the cancer insurance policy can be used to cover out-of-pocket costs under the major medical plan, as well as other expenses that arise during cancer treatment, like lost wages and the cost of traveling to treatment facilities even experimental treatments or a 2nd opinion.
Apply for Cancer Insurance

Life Insurance

Life Insurance is a contract between the insurance policy holder and the insurer, where the insurer promises to pay the designated beneficiary a lump sum of money in exchange for a premium upon the insured person's death.

  • Life insurance is typically chosen based on the needs and goals of the owner of the policy.
  • Term Life - Provides protection for your property, assets and family over a set period of time such as 10, 15, 20 years. Term Life is generally less expensive than permanent life insurance.
    • Can assist with providing a safety net for paying off mortgage
    • Can keep a business running
    • Can supports your family thru childhood and paying for college.
  • Permanent Life (Whole or Universal)- Provides protection for your property, assets and family over the insured.
  • with higher premium because you are guaranteed a pay out to your beneficiary as long as premiums are paid. You have a fixed premium that does build cash value which can function as a savings that you could borrow againgst as it builds.
    • Assist with estate planning
    • Final expenses better known as burial insurance, is designed to cover the bills that your loved ones face after your death.
  • Universal Life- Insurance protection that provides lifetime coverage however is flexible so it may start off as a lower fixed payment and covert to a higher premium.
    • Can be used for muiltiple long term goals such as the insured can start off with protecting their family to pay off a mortgage to coverting to estate planning and preparing your family for after life expenses.
    • Can provide a fixed payment option while still having the ability to build cash value and permanent guaranteed death benefit.
  • Death benefits from all types of life insurance are generally income tax-free. 
Apply for Life Insurance

Short Term Insurance

These plans help bridge a gap in coverage. If you are waiting for the open enrollment period, waiting for other coverage to begin or whether it's between jobs, retired early or graduated college they covered injury and/or illness but do have pre-existing clauses

  • Coverage can be avaliable as soon as the day after the application is submitted.
  • You are able to pick your deductible and co-insurance amounts from several plan options.
  • Individuals may be able to pick the length of their and are able to drop coverage without a penalty.
  • These plans are usually PPO and you have access to an extensive network of healthcare professionals, hospitals and other facilities.

Short Term insurance plans can definitely provide fast, flexible, temporary health insurance coverage that fits your needs. 

Apply for Short Term Insurance

Vision Insurance

Vision insurance is designed to help you cover and budget for ongoing vision care expenses like routine eye exams, prescription glasses and contact lenses. 

  • Coverage for people of all ages
  • No waiting periods 
  • A national network of vision service and eyewear providers
  • Freedom to go out of network and still get benefits if you pay the difference between your plan allowance and your final cost

Vision insurance can be added to dental plans as well. 

Critical Illness Insurance

Critical Illness is a lump-sum cash benefit for individuals surviving a critical illness to help cover cost for unexcepted expenses related to an extended recovery period. 

  • The illness must first occur after the insured person's coverage has become effective and while the coverage is in force under the policy.
  • Critical illness Insurance is cash benefits paid dirrectly to you to cover expenses that result from a serious illness.
  • Cash benefits can be used for copays or coinsurance, rent mortage, car payments, child care, and everyday living expenses.
Apply for Critical Illness Insurance

Gap Insurance

Gap Insurance is a supplemental health plan that acts as a cushion for individuals who carry high-deductible health care plans to help manage out of pocket expenses such as deductibles, coinsurance. 

  • These plans can offer additional monetary financial protection beyond what your major medical plan provides and can help lessen the financial impact when you have unexpected medical care.
  • This type of coverage is especially important to those who may have health insurance plans with lower premiums with high deductibles. 

Apply for Gap Insurance

Out of Pocket Protector Plan

Out of Pocket Protector Plan is a Hospital Confinement Protection Insurance Policy.

  • Helps pay deductibles and copayments
  • You choose benefits and premiums
  • Pays benefits directly to you unless you assign to help with hospital bills and out of pocket costs.
  • Pays in addition to all other insurance and workers compensation.
Apply for Out of Pocket Insurance Protection