Individual/Family Health Plans

If your employer does not offer group insurance, or if the insurance offered is very limited, you can buy an individual policy for yourself and/or your family.

Business/Group Health Plans

Not all employers offer health insurance. You might find this to be the case with your job, especially if you work for a small business or work part-time. If your employer does not offer health insurance, please contact us today for a customized, no obligation quote.

Health Savings Accounts (HSAs)

An HSA works like an IRA, except that money is used to pay health care costs. Participants enroll in a relatively inexpensive high deductible insurance plan. Then, a tax-deductible savings account may be opened to cover current and future medical expenses.

Short Term Medical

Are you between jobs or in need of temporary health insurance? Our short-term solution offers you coverage for 30 to 365 days (varies by state)

Life Insurance

Apply for up to $5 million in life insurance protection over-the-phone in as little as 5 minutes!  We work with a large number of highly rated life insurance companies who provide both Term and Permanent life insurance plans at great rates.

Disability Income

We have great rates on both individual and small business Disability plans.  Options include Short Term and Long Term DI policies for a wide variety of professions.

Long-Term Care Insurance

Let us shop for your long-term care plan today!  We have access to the leading long-term care insurance companies in the country.

Medicare Supplement Plans

We offer a variety of traditional Medicare Supplement plans to those over 65 years of age.

Travel Insurance

We are pleased to provide access to a comprehensive travel insurance plan!  The plan can be built to include coverage for trip interruption, trip cancellation, lost, stolen or damaged sports equipment, pre-paid, non-refundable permit/license fee costs, medical expenses and much more. 

Group Medical Plans

Most Americans get health insurance through their jobs or are covered because a family member has insurance at work. This is called group insurance. In many cases, the employer pays part or all of the cost.

Some employers offer only one health insurance plan. Some offer a choice of plans: a fee-for-service plan, a health maintenance organization (HMO), or a preferred provider organization (PPO), for example. Employers with 25 or more workers are required by Federal law to offer employees the chance to enroll in an HMO.
    
What happens if you or your family member leaves the job? You will lose your employer- supported group coverage. It may be possible to keep the same policy, but you will have to pay for it yourself. This will certainly cost you more than group coverage for the same, or less, protection.   Often, you can realize substantial savings by purchasing an individual/family plan.
    
A Federal law makes it possible for most people to continue their group health coverage for a period of time. Called COBRA (for the Consolidated Omnibus Budget Reconciliation Act of 1985), the law requires that if you work for a business of 20 or more employees and leave your job or are laid off, you can continue to get health coverage for at least 18 months. You will be charged a higher premium than when you were working.
    
You also will be able to get insurance under COBRA if your spouse was covered but now you are widowed or divorced. If you were covered under your parents' group plan while you were in school, you also can continue in the plan for up to 18 months under COBRA until you find a job that offers you your own health insurance.
    
Not all employers offer health insurance. You might find this to be the case with your job, especially if you work for a small business or work part-time. If your employer does not offer health insurance, please contact us today for a customized, no obligation quote.  Better yet, ask your employer to give us a call at 1-888-600-0085 so we can determine whether an individual or group plan is the best fit.