Health insurance for all of your needs.

Whether you are looking for traditional major medical insurance for you and your family, or you may need short term health only, our professional consultants offer complimentary guidance to help you sort through your options to find the best coverage that fits your needs.  And, because we work with many of the highest rated carriers offering an array of insurance plans, you’ll be able to find plans that are covered by your doctor and offer the best value for your premium dollars.

Keep in mind that a plan from the marketplace is the most comprehensive health coverage you can buy and will cover your significant health expenses and also contains many preventative benefits at no cost that help to prevent you from getting ill in the first place.

Determining a plan that is right for you and your family.  Finding the right plan weighs heavily on your health needs and budget.  If you have a preexisting condition or a growing family, and expect to use your health coverage often, then you may want to purchase a comprehensive health plan through the Marketplace.  You could qualify for a subsidy to help lower your premiums.

Click the toggles below to learn more about the various types of health insurance we offer.

Major Medical Health Insurance

REMINDER:  Per the Affordable Care Act, you must up for health insurance during Open Enrollment between Nov 1st and Dec 15th.  Coverage will be effective on January 1st.  If you miss the deadline, you may qualify for special enrollment if you have a life event.  For more on healthcare reform, click here.

A Health Maintenance Organization or 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. 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 will save you money on services if you use the preferred providers within the network. Keep in mind that deductibles must be met on this plan before some services will be covered. The good thing about a PPO is they generally will allow a certain amount of services annually outside of the deductible with a small co-pay, and most often the PPO has a large network with quality care providers and excellent prescription drug coverage.

Catastrophic Plans (considered a “Bronze” plan on the Marketplace) are great for those healthy individuals who do not expect to need medical care throughout the year, other than routine preventative care.

Short Term Health Insurance

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 or 2 years, and in some states up to 3 years) and from a range of available deductible amounts.

Additionally, short-term health insurance plans do not contain the essential benefits required of the Affordable Care Act (ACA).

  • Major Medical Health Plans
    Open Enrollment

    NOV 1 to DEC 15