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AVZ Benefit Solutions INC

Health Insurance plans are offered to individuals or families through either the ACA Health Insurance Marketplace, a.k.a. “Exchange” or employer benefit packages as a group plan. They are designed to cover some or all medical costs incurred from illness or injury from a network of health care providers. Medical costs not covered by health insurance but paid by patients is called “cost-sharing,” and these portions include copays, deductibles, co-insurance, and out-of-pocket-max. Health plans with higher cost-sharing amounts generally have smaller monthly premiums than plans with low deductibles. These insurance policies and plans have exclusions, limitations, reductions of benefits, and/or terms under which coverage may be continued in force or discontinued. Benefit amounts and types and costs will vary by the amount and type of coverage selected. For costs and complete details of the coverage, call (or write) your insurance agent or company. For more information, guidance, and multiple carrier choices, click below.

Short-term medical insurance means temporary major medical coverage that provides coverage for a limited period of time, such as six months or twelve months, sometimes even less. It may be appropriate for those in-between jobs or those waiting for other health insurance to start new health care plans. See QUICK QUOTE for some Carriers available instantly. Click BOOK A CONSULT for more information, guidance, and more carrier choices. Please note that short-term plans are not required to cover prescription drugs, maternity care, mental health services, or pre-existing conditions, which must be covered by the Affordable Care Act plans. Carefully review all terms, conditions, and limitations of a Short Term Medical insurance policy before making a purchasing decision

Dental insurance is a policy that pays a portion of the policyholder's dental care costs, including preventative services, various procedures, and treatment of dental disease. There are several different types of individual, family, or group dental insurance plans grouped into three primary categories: Indemnity, Preferred Provide Network (PPO, or DPO), and Dental Health Managed Organizations (DHMO, or DMO). See QUICK QUOTE for some Carriers available instantly. Click BOOK A CONSULT for more information, guidance, and more carrier choices.

Vision insurance is coverage designed to help you cover and budget for ongoing vision care expenses like routine eye exams, prescription glasses, and contact lenses. See QUICK QUOTE for some Carriers available instantly. Click BOOK A CONSULT for more information, guidance, and more carrier choices.

Term life insurance is a form of life insurance that provides coverage at a fixed rate of premium payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed, and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. For more information, guidance, multiple carrier choices, and plan options click below.

Accident plans provide compensation to policyholders to help them pay for the medical and out-of-pocket costs that one may incur after an accidental injury. This includes emergency treatment, hospital stays, medical exams, follow-up visits, and other expenses families may face, such as transportation and lodging needs. Click QUICK QUOTE for some Carriers available instantly. Click BOOK A CONSULT for more information, guidance, and more carrier choices.

Fixed Indemnity Insurance provides a fixed payment to individuals when they are treated for an injury or illness that is covered by the policy. It helps pay for out-of-pocket medical expenses such as emergency treatment, hospital stays, medical exams, out-patient surgeries, and other expenses incurred after an injury or illness. Click QUICK QUOTE for some Carriers available instantly. Click BOOK A CONSULT for more information, guidance, and more carrier choices.

Disability refers to an injury or illness that keeps an individual from working for a period of time, whether short or long. They are typically available through the workplace, but also outside for individuals, and have a maximum benefit amount per month. They help pay for daily expenses medical insurance doesn’t cover. For more information, guidance, multiple carrier choices, and plan options click below.

Cancer insurance is a type of supplemental health insurance that is meant to manage the risks associated with the cancer disease and its numerous manifestations by mitigating cancer treatment costs and providing a degree of financial support. This support is based upon the terms written into a particular policy by an insurance company, which may differ per carrier. Click QUICK QUOTE for some Carriers available instantly. Click BOOK A CONSULT for more information, guidance, and more carrier choices.

Critical Illness Insurances are contracted policies between insurer and policyholder that make payments or a lump sum payment to customers when they are diagnosed with an illness covered by the plan–like a heart attack, stroke, occupational HIV, or renal failure. Click QUICK QUOTE for some Carriers available instantly. Click BOOK A CONSULT for more information, guidance, and more carrier choices.

Fixed Index Annuities (FIA) are long term insurance products designed to provide retirement income and offer three key features: 1) Tax deferral, 2) Indexed interest potential, and 3) guarantees to your money. In addition, some annuities also offer an initial bonus to your premium. FIAs that are purchased outside of a qualified retirement plan offers the opportunity to grow tax-deferred, without IRS-imposed limits as to the amount of premiums you can contribute to them. An FIA's interest potential is calculated based on the movement of an external market index, without ever being invested in the market. Each year, the company tracks the movement of the index you select and calculates potential interest, assuming limiting factors such as caps, spreads, and participation rates. If the result each year is positive, your annuity is credited interest. If the resulting figure is negative, however, you don't lose anything due to market loss, and the annuity's value does not decline. An FIA also provides protection in the form of guarantees to your principal, and the opportunity for income increases by transferring risk to the insurer in exchange for an additional annual cost. Annuities are subject to fees and charges, including surrender charges for early withdrawals. Withdrawals are subject to ordinary income taxes, as well as an additional 10% federal penalty if taken before age 59-1/2. Keep in mind, the owners' principal and bonus are never subject to market loss, meaning a market-index downturn cannot reduce contract values. Also, note that Bonus annuities may include higher surrender charges, longer surrender periods, lower caps, higher spreads, or other restrictions that are not included in similar annuities that don’t offer a bonus. For more information, guidance, limitations, requirements available issuers and product options, click below

Fixed Index Universal Life Insurance products typically offer two things –(1) a death benefit to help protect the financial security of one’s family or one’s business; (2) the potential to build cash value on a tax-deferred basis, which is accessible income tax-free during one’s lifetime through withdrawals and loans. The cash value accumulation of the product is dependent on elected strategies that factor the credited interest rate and participation rate, which are used to measure the annual performance of a chosen market index. Some products have strategies with a credited interest rate “Cap” and a 0% interest crediting floor, meaning, the policy will not lose value due to a decline in the index – “Potential for indexed interest with a guarantee to your principal.” Life insurance is subject to fees and charges, including surrender charges for early withdrawals. Keep in mind, the policy's cash value is never subject to market loss, meaning a market-index downturn cannot reduce contract values. For more information, guidance, limitations, requirements available issuers and product options, click below

Long-Term Care insurance is a type of insurance developed specifically to cover the costs of nursing homes, assisted living, home health care, and other long-term care services to assist policyholders with activities of daily living such as bathing, dressing, or eating. Most individual policies require medical underwriting. These services are usually not covered by traditional health insurance or Medicare. For more information, guidance, multiple carrier choices, and product options click below.

Final Expense insurance is a life insurance product used to cover expenses associated with the death of the insured. It helps with the financial burden placed on families by covering the costs of funeral services (burial or cremation), medical, legal, immediate household expenses, etc. For more information, guidance, multiple carrier choices, and product options click below.

Whole Life insurance pays a guaranteed benefit on the death of the insured and also accumulates a cash value in exchange for level, regularly-due premium payments. For more information, guidance, multiple carrier choices, and product options click below.

Medicare is a health benefits program for U.S. citizens or permanent residents who meet certain work history requirements, are age 65 or older, under age 65 with certain disabilities, or have end-stage renal disease. Medicare consists of five parts – Part A, B, C, D, and E. Part C is the Medicare Advantage (MA) Plans, which must cover Part A (hospital) and Part B (medical) benefits. Medicare Advantage plans are health insurance plans offered by private health insurance companies approved by Medicare to cover the same benefits as Original Medicare (Part A and Part B), but can also include dental, vision, wellness programs, or prescription drugs (Part D). This combination can potentially give you the convenience of having Medicare Part A, Part B, and Part D coverage through a single plan.
As good practice, always review and compare your local MA plan options since coverage details vary per insurance company. Here are the different types of MA plans – Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO) plans, Private Fee-for-Service (PFFS) Plans, Special Needs Plans (SNPs), and Medical Savings Account (MSA) Plans. For more information, guidance, multiple carrier choices, and plan options click below.

For more information, guidance, multiple carrier choices, and plan options click below.

For more information, guidance, multiple carrier choices, and plan options click below.

AVZ Benefit Solutions INC

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AVZ Benefit Solutions INC

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AVZ Benefit Solutions INC

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