health insurance

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There are countless plan options, numerous carriers and a Health Insurance vocabulary that can seem overwhelming! Let us educate you on the most important factors to consider when comparing plans. Together, we will review your preferences and assist you in choosing a provider and  coverage to meet your budget and health care needs. You can also look at your own FREE Quote at the below link.  

Individual Health Insurance is designed to cover you alone or you and your family if you don't otherwise have coverage through your workplace or spouse. The Individual Health Insurance market is regulated by the Affordable Care Act (ACA) and, if you are eligible, you could save money on your monthly premium by using the determined Tax Credit to apply to your monthly premium.

What To Consider When Picking A Plan;

• Premium
• Deductibles
• Co-pays and Coinsurance
• Out Of Pocket Expenses
• Cost Of Prescription Drugs 

Providing your employees with Health Insurance offers your business security in retaining valuable employees.  Group plans offered are simple, easy to understand and meet the requirements of the Affordable Care Act.

Essential Health Benefits Included:

• Preventive, Wellness and Chronic Disease Management
• Ambulatory  and Emergency Services
• Hospitalization
• Maternity and Newborn Care
• Prescription Drugs
• Laboratory Services
• Pediatric, including Dental and Vision
• Rehabilitative and Habilitative Services and Devices
• Mental, Behavioral Health and Substance Use Services

Short Term Medical Health Insurance Plans offer a unique alternative that allows you the flexibility to get the coverage you need, with options you want, for the time that suits you best. Plans are available for 30 days, 12 months or even up to  3 years.

Features Include;

• Office Visit Benefits
• Deductible Waved On Urgent Care Visits
• Prescription Drug Coverage
• Next Day Effective Dates
• Life Association Membership

View options and get FREE quote here.

Not ready for Medicare?   The  Bridge to Medicare  Plan combines Health Insurance coverage for larger expenses with fixed first dollar benefits to supplement many routine types of medical expenses. Plans include prescription drug benefits, additional non-insurance medical services like telemedicine, reduced-cost vision exams, eyeglasses, hearing benefits and emergency helicopter services. 

 Candidates For The Bridge to Medicare™ ;

• Individuals and couples age 60-64 years and 11 months
• Those who are in good health and don’t have ongoing medical expenses 
• Individuals who have left their employer health plan and want a different solution other than COBRA. 

"I can't thank Ryan enough for the time and support he offered me through the open enrollment period. Navigating on my own was difficult and his knowledge and understanding of the Marketplace allowed me to choose a plan that met all of my needs and stay within a reasonable budget!" G. Curry