Watching Over You Today, Protecting Tomorrow

When a person turns 65 or becomes eligible for Medicare due to a disability, figuring out exactly what you need often creates confusion. That is why we are here to clearly explain your options.

• A Medicare Supplement (Medigap) insurance plan, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like co-payments, coinsurance, and deductibles.
• Stand-Alone Medicare Prescription Drug Plans (Part D) help cover out of pocket prescription drug costs.
• Medicare Advantage Plans also known as Medicare “Part C,” are a type of health plan offered by private companies that contract with Medicare to provide “Part A”, “Part B”, sometimes “Part D” and additional benefits.

We offer Affordable Care Act Plans from only top rated carriers to protect individuals and their families from potential catastrophic loss due to health-related circumstances. Let us help you navigate the Marketplace and Off-Exchange options, check to see if you qualify for a subsidy or assist you in obtaining health insurance directly with the company.

• Traditional Plans (Deductibles, co-insurance and co-pays).
• Health Savings Account Plans (HAS) which are high-deductible plans at lower cost combined with a tax-favored savings account for more control over health care expenses.

We believe health insurance should not be hard to figure out so during the annual open enrollment (November 1 – December 15), we would be happy to help you understand your options. Open enrollment is the only time you can purchase individual health insurance or make a plan/carrier change unless you have another qualifying event during the year. See the plans we have to offer. You can apply online yourself or we are happy to process your application for you.

Outside of the individual market’s annual open enrollment period a short-term health insurance policy might be your best option, especially without a qualifying event. We offer affordable short term health plans with coverage options for 1 month and up to 364 days. These plans help bridge the gap during times of transition from one health plan to another and provide a lower cost alternative.

Let us help you put together an employee benefit package to best meet your needs to attract and retain quality employees. Are you a sole proprietor or single member LLC? No problem, you can consider a group health insurance plan as well which often has better rates and benefits. We take time to consider your options, facilitate implementation, review and fine-tune annually and personally explain the benefits to your employees each and every year. We will act as an extension of your HR department by handling all the details and address service questions throughout your plan year. And the best part... This service is absolutely free to you.

Smile a little brighter by letting us help you find a dental plan that meets your needs. Proper dental care can be an important component of our well being. Dental coverage of some kind can help you ensure the health of your teeth and gums.

Your eyes are a vital part of your everyday health and wellbeing. Routine care and proper eyewear are essential but can be a rather costly endeavor. We offer top quality vision plans to help you protect your ability to experience all the beauty in the world around you.

We provide access to a wide range of top-ranked life insurance products and carriers. Whether you are in need of Term, Permanent (Whole Life), Universal, Single Premium, Final Expense or Key Man insurance, we will find the appropriate plan for you. Return of premium plans are also available and don't forget to ask us about our rates for high risk cases or non-smoker rates for non-cigarette smokers (i.e. cigar smokers, chewers and dippers).

Traveling abroad and need to additional health insurance protection not provided by your primary plan? We offer quality travel insurance plans for that special vacation or more extended travel lasting up to 2 years.

We don’t sell it but we certainly can recommend a good source for this valuable form of insurance to protect that special critter in your life.