YOUR LIVELIHOOD

Serving Individuals, Families and Retirees

OUR DEVOTION TO YOU

We work on your behalf to

OUR SERVICES TO YOU

Our teams ensure a positive client experience, quality service and resolve with each client interaction.

Phone Support

Our team and partners work with our clients in navigating the claims process to resolve issues and claims quickly, thoroughly, and hassle-free to secure their benefits.

Claims Support

Our teams ensure a positive client experience, quality service and resolve with each client interaction.

Product Education

Our teams ensure a positive client experience, quality service and resolve with each client interaction.

Virtual Meetings

Our brokerage is appointed with several insurance companies so that we research and compare products in the client's interest that best fit their needs.

Brokerage Advantage

Our team and partners work with our clients in navigating the claims process to resolve issues and claims quickly, thoroughly, and hassle-free to secure their benefits.

Free Consultations

Our teams ensure a positive client experience, quality service and resolve with each client interaction.

Instant Quoting

Our teams ensure a positive client experience, quality service and resolve with each client interaction.

Annual Reviews

PRODUCT LINES

Learn about variations in health insurance for you and your family. Explore Marketplace plans. Short-Term plans, MEC plans, etc., based on needs.

HEALTH INSURANCE

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ACA-compliant health insurance plans that provide qualifying people and with subsidies ("tax credits") by lowering premiums and medical costs. Subsidies are based on household income and demographics. Marketplace plans waive pre-existing conditions.

Marketplace Plans

STM plans give folks the flexibility to get the coverage they need, with the option they want, for the time that best suits them for the everyday and the unexpected. Coverage can last as short as a month or up to 3 years, depending on state. STMs save on healthcare, wellness, and wallets. STMs do not cover pre-existing conditions.

Short-Term Medical Plans

MEC plans provide affordable coverage that meet the requirements under the ACA. They have a list of covered services for adults and children to meet the everyday medical costs, like dr visits. x-rays, labs, urgent care, ER, etc. Some inpatient/outpatlent services not included. Some inpatienUoutpatlent services not included. MECs do not cover pre-existing conditions.

Minimum Essential Coverage

Catastrophic plans give folks peace of mind from "what it" major medical events that put one in the hospital or surgery table with high costs. These plans help with that. Common preventive services are not included. Catastrophic plans do not cover pre-existing conditions.

Catastrophic Plans

Use board-certified physicians who can diagnose, treat and prescribe medication to you for many health-related issues over the phone and through a secure internet connection or application. 24/7/365. Some cover the family with no co-pays at a low annual rate. Save time and money from common medical issues.

Telemedicine

MEDICARE INSURANCE

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These 'Medicare Part C" plans are underwritten by private health insurance companies that provide eligible folks with "equal or better" plans than Original Medicare Parts A & B. by offering benefits like vision, dental, and more. They consist of networks, co-pays, and deductibles. Most plans have $0 monthly premiums and cover prescriptions - all in one plan.

Advantage Plans

"Medigap" are underwritten private plans that are designed to cover the 20% of medical expenses Medicare Parts A & B do not cover. For a monthly premium, a U.S. Citizen turning 65, or eligibly disabled, can get a "gap" plan. No networks, co-pays, or deductibles. However, a stand-alone prescription plan with a minimal monthly premium may be necessary.

Supplemental Plans

"Part D" plans are stand-alone prescription drug plans or part of an Advantage plan from private insurance companies in Medicare. They are an optional plan with a monthly premium. Some have deductibles with co-pay tiers. Just don't go 63 straight days without creditable prescription drug coverage, or there may be a late-
enrollment penalty when enrolling.

Prescription Plans

An "SNP" plan is a Medicare Advantage (MA) plan specifically designed to provide targeted care to special needs individuals that are either institutionalized (I-SNP), dual eligible (D-SNP), or with a severe or disabling chronic condition (C-SNP), as specified by CMS.

Special Needs Plans

Medicaid Is a federal and state Insurance program for people of all ages with limited income and resources to pay for medical costs. It also offers benefits to cover nursing home care and personal home care, which Is not normally covered by Medicare. There are certain eligibility requirements to qualify.

Medicaid

DISABILITY INSURANCE

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"STD" insurance replaces a percentage of your income for a short period of time in the event you experience a disability - sickness or injury. The benefit period usually lasts 3 to 6 months, or as long as 24 months with up to 70% of gross income coverage, depending on the state.

Short-Term Disability

"LTD" insurance replaces a percentage of your income for a long period of time, after a waiting period, in the event you experience a disability, such as a sickness or injury. Waiting periods can last from 90 days to 360 days depending design. The benefit period usually lasts years, up to age 65 or 67 with up to 70% of gross income coverage, depending on the state.

Long-Term Disability

"LTC" insurance is developed to specifically cover costs of nursing homes, assisted living, home health care and other services to assist members with daily living activities, that are not covered by traditional Healthcare or Medicare. LTC costs are based on your age when you buy it, max amounts per day, max days of policy, and options like benefits that increase with inflation.