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Health Planning

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Medicare

Medicare is a government-funded health insurance program for people who are 65 years old or older, or those with certain disabilities or health conditions. With so many options and plans available, navigating the Medicare system can be overwhelming and confusing for many individuals. We help you understand the benefits, costs, and any gaps in coverage associated with the different types of Medicare plans, including Original Medicare, Medicare Advantage, Medicare Supplements ("Medigap"), and standalone prescription drug coverage. Understanding your current health needs and budget is integral to finding coverage that's right for you. Whether you're new to Medicare, looking to protect against gaps in your coverage, or just wondering if your current plan is the best fit for you, we're here for you. Schedule time with us to learn more about your options.

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Marketplace

Marketplace plans are often referred to as "Affordable Care Act" (ACA) or "Obamacare." We represent all the major carriers to assist those under 65 who are in need of coverage. Open enrollment period (OEP) begins November 1st and ends January 15th - after OEP ends, you can still get health insurance if you qualify for a Special Enrollment Period, Medicaid, or the Children's Health Insurance Program (CHIP). For some individuals, Ancillary Benefits may be a suitable option. Schedule time with us to learn more.

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Business Group Coverage

Your small business is eligible to purchase group health coverage if you have three or more employees. We simplify the process of offering health insurance by taking into account the cost to both you and your employees, as well as the health services covered by the plan. If you already offer group insurance, we can review your options to ensure you're maximizing the benefits available to you while reducing the cost of offering group insurance. Contact us to learn more about your group coverage options.

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Health Coverage Add-ons (Ancillary Benefits)

Ancillary benefits are supplemental type of insurance that help cover miscellaneous expenses not covered by your primary health plan.

  • Dental, vision, and hearing: helps cover needs like dental cleanings, glasses, and hearing aids. These items are NOT covered by Original Medicare or typical medical insurance.

  • Hospital indemnity: helps cover the costs of a hospital stay, such as co-pays, deductibles, or other out-of-pocket expenses that are not covered by your primary health plan.

  • Long-term care: helps pay for long-term care expenses, such as those associated with a chronic illness, disability, or aging. Expenses can include certain home modifications, home care, adult day care, assisted living, or nursing home care.

  • Critical illness: provides financial support to help with bills, everyday expenses, or make up for loss of income in the event of a covered critical illness. 

  • Cancer: provides financial support to help cover the cost of treatment, pay bills, or make up for loss of income in the event of a cancer diagnosis. Did you know almost 2 million new cancer diagnoses are expected in the US in 2023?

  • Heart attack and stroke: provides financial support to help cover the cost of treatment, pay bills, or make up for loss of income in the event of a heart attack or stroke. Did you know every year, over 800,000 people have a heart attack in the US and another almost 800,000 people have a stroke?

Plan benefits can cover the gaps in coverage in your primary health insurance, or can offer financial stability for you and your family in the case of an unexpected health event. Schedule time with us to discuss what insurances may be right for you.

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