Health Insurance

Health Insurance

We can assist you with individual or group health insurance plans, write Medicare supplements, as well as dental and vision coverage in both individual and group settings.  We are here to help you navigate the Affordable Care Act requirements for health insurance and minimize any challenges.

Dental Insurance

Dental health is an important part of your overall health. Dental plans can help you plan and budget for the costs of dental care. With a variety of plans available, you can find basic dental coverage for general dental care or choose coverage for major care, such as dental implants. Depending on the plan you choose, our dental insurance benefits can include:

Preventive Care, covers routine cleanings for all covered persons and fluoride treatments for those under the age of 16 on the plan, often with no deductible or waiting period, Basic services such as simple fillings or emergency treatment for dental pain, Major services such as retainers and root canals. These are often subject to the plan’s deductible and waiting periods.

Vision Insurance

Vision insurance, is designed to help you cover and budget for ongoing vision care expenses like routine eye exams, prescription glasses and contact lenses. You can buy vision plans in addition to your health insurance or even with other supplemental plans, like a dental plan.

What does vision insurance cover?

  • Coverage for people of all ages
  • No waiting periods
  • Saving through a national network of vision service and eyewear providers
  • Freedom to go out of network and still get benefits if you pay the difference between your plan allowance and your final cost

Medicare Supplement

While Original Medicare (Parts A and B) provides good health coverage, it doesn’t pay for everything. Medicare Supplement insurance (sometimes referred to as “Medigap”) works with Original Medicare to pay some of the out-of-pocket costs that Parts A and B alone do not. . Each plan has a letter assigned to it, and offers the same basic benefits. The basic benefit structure for each plan is the same, no matter which insurance company is selling it to you. Note: The letters assigned to Medicare Supplement plans are not the same things as the parts of Medicare. For example, Medicare Supplement Plan A is not the same as Medicare Part A (hospital insurance). 

Medicare Supplement plans don’t replace Original Medicare. Instead, Medicare Supplement plans work alongside your Original Medicare coverage to help cover some of the costs that you would normally have to pay for on your own