Personal Lines of Insurance
Getting health coverage shouldn’t feel like a puzzle. We help you explore health and life plans, understand your options, and choose a policy that balances cost and care, with support you can trust.
Health Plans & Policies
Primary Medical
Health insurance is defined as coverage that provides for the payments of benefits as a result of sickness or injury. It includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment. A choice of either personal or employer sponsored insurance policy that provides financial protection in whole or a part of the risk of a person incurring medical expenses. The insurer can develop a routine finance structure, such as a monthly premium to provide the money to pay for the health care benefits specified in the insurance agreement. Choosing the healthcare solutions that best suits you and your family is paramount in today’s market options.
Short-Term Medical
Short-term medical insurance, also called temporary health insurance or term health insurance, can provide a temporary solution to help fill gaps in coverage. Consider short-term if you’re:
- Between jobs
- Waiting for other coverage to begin
- Waiting to be eligible for Medicare coverage
- Without health insurance, outside of Open Enrollment
For these situations and more where you are stuck in a coverage gap, finding the best short-term health insurance plan you may be just the right solution for you.
Supplemental
Health insurance is essential, but it doesn’t always cover everything. From high deductibles to unexpected hospital bills, out-of-pocket expenses can still cause financial stress. That’s where supplemental insurance comes in.
Supplemental plans are designed to work alongside your primary health coverage, whether you have employer-provided benefits or are on a private Marketplace plan. These plans help cover expenses that your regular policy may not fully pay for, and can help you recover financially from serious illnesses, accidents, or hospital stays.
Consider options including long-term care insurance, cancer coverage, heart attack/stroke insurance, and more.
Dental & Vision
Maintaining good oral health is one of the most important factors of your overall health and wellbeing. Dental & Vision insurance, does work differently than health insurance; you pay a monthly, a set percent of coverage based on services that might include a deductible or copay up to the calendar year maximum limit per year. The coverage stops entirely when the insurance company’s payout reaches that maximum benefit amount for that year.
Considering all this, while it is possible that having dental insurance could save you money, it is also totally possible that you would be better off paying for your care out of pocket. Take a good look at the benefits of dental insurance policies and do some rough math to decide whether it will likely be a good deal for you, rather than just assuming it is a good idea because it is insurance.
Life & Disability
One of the key financial protection tools for you or your family. Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Life-based contracts tend to fall into two major categories:
- Protection policies – designed to provide a benefit, typically a lump sum payment, in the event of a specified occurrence.
- Investment policies – the main objective of these policies is to facilitate the growth of capital by regular or single premiums.
