Health Insurance

Health
Insurance

Health Insurance Solutions

Protect what matters most with our comprehensive health insurance plans. From routine care to unexpected emergencies, our solutions offer flexible coverage, financial security, and peace of mind for you and your family

Health Insurance Made Simple

Group Health Insurance - Employee centric coverage

A will and trust ensure your assets are distributed as you wish. A will outlines your wishes after you’re gone, while a trust manages and protects your assets during your lifetime.

Plan types

Group Health Insurance offers various plan types to cater to different needs and preferences, allowing employers to provide comprehensive health coverage for their employees

Health Maintenance Organizationt - Lower costs with network-based care and preventive services.
Preferred Provider Organization - Flexibility to see any provider, with savings within a preferred network.
Exclusive Provider Organization - Network-focused, often with lower premiums. High-Deductible Health Plan -Paired with Health Savings Accounts (HSAs), ideal for those who want to save on premiums and build savings for medical expenses

Best for

Individual Health Insurance - Personalized plans

Individual health insurance offers customized coverage for you and your family, ensuring you get the medical benefits that best meet your needs.

Types of Long Term Care Insurance

Individual Health Insurance offers options like catastrophic, major medical, short-term and HSA-eligible plans to suit your healthcare needs and budget

Catastrophic Insurance - High-deductible, low-cost plans for major medical events
Major Medical Insurance - Comprehensive, covering doctor visits, hospital stays and prescriptions.
Short Term Insurance - Temporary plans for interim coverage needs.
HSA Eligible Plans - High-deductible plans allowing tax-advantaged savings for healthcare costs.

Best for

Medicare and Medicare Supplement Plan - Filling the gaps

Medicare and Medicare Supplement plans help cover healthcare costs for seniors that are not fully paid by original Medicare, ensuring complete coverage and peace of mind.

Plan types

Medicare and Medicare Supplement Plans provide essential healthcare coverage for seniors, with Medicare covering basic services and Supplement Plans filling in gaps for additional care and expenses.

Original Medicare - Covers hospital and medical services but has out-of-pocket limits.
Medicare Advantage - Combines Parts A, B and often D, adding benefits like vision and dental.
Medigap Plans - Fills gaps in Medicare, covering copayments, deductibles and coinsurance.
Prescription Drug Coverage - Standalone prescription drug coverage for those with Original Medicare.

Best for

FAQ

Your health, your security

Find the information you need to make informed Health Insurance choices

1. How is Group Health Insurance different from Individual Health Insurance?

Group health insurance is usually employer-provided and more affordable due to shared risk, while individual plans are self-purchased and tailored to personal needs.

2. What does a Medicare Supplement plan cover?

Medigap plans cover out-of-pocket expenses like copays, coinsurance and deductibles not fully covered by Original Medicare.

3. Can I buy health insurance outside of open enrollment?

Yes, you can if you experience a qualifying life event, such as marriage, job loss or relocation, which triggers a Special Enrollment Period.

4. What is the difference between HMO and PPO health plans?

HMO (Health Maintenance Organization) plans require you to choose a primary care physician and get referrals for specialists, while PPO (Preferred Provider Organization) plans offer more flexibility to see specialists without a referral and allow you to visit out-of-network providers at a higher cost.

5. How can I reduce my health insurance premiums?

You can lower premiums by increasing your deductible, choosing a plan with fewer covered benefits, or utilizing preventive care. Additionally, checking if you qualify for government assistance programs like Medicaid or subsidies through the marketplace can help reduce costs.