Free Guidance for all Your Health Insurance Needs

We offer standard HMO or PPO managed care plans, and you can select a High Deductible Health Plan in conjunction with an HSA (Health Savings Account) so you can build up tax-free savings for future medical expenditures. Or go with an FSA (Flexible Savings Account) and set aside regular pre-tax payroll deductions for non-reimbursable medical or childcare expenses.  We also offer short term health for times of transition or for travel.

Our professional consultants offer FREE expert guidance to help you sort through your options to find the best coverage that fits your needs.  And, because we work with many of the highest rated carriers, such as Aetna, Humana, United Health Care and Blue Cross and Blue Shield (just to name a few), you’ll be able to find plans that are covered by your doctor and offer the best value for your premium dollars.

Understanding Health Insurance

 Click the toggles (+/-) to learn more about the various types of health insurance we offer.

REMINDER:  Per the Affordable Care Act, you must sign up for health insurance during Open Enrollment between Nov 1st and Dec 15th.  Coverage will be effective on January 1st.  If you miss the deadline, you may qualify for special enrollment if you have a life event.  For more on healthcare reform, click here.

A Health Maintenance Organization or HMO health plan requires you to appoint a primary care physician and to use doctors and facilities that are affiliated with the HMO. If you use healthcare service providers outside of the HMO, there is a good chance those charges won’t be covered by your policy. The great thing about an HMO is that the only charges you incur, outside of your premiums, are co-pays for doctor’s visits and other services such as procedures and prescriptions.

A Preferred Provider Organization or PPO will save you money on services if you use the preferred providers within the network. Keep in mind that deductibles must be met on this plan before some services will be covered. The good thing about a PPO is they generally will allow a certain amount of services annually outside of the deductible with a small co-pay, and most often the PPO has a large network with quality care providers and excellent prescription drug coverage.

Catastrophic Plans are great for those healthy individuals who do not expect to need medical care throughout the year, other than routine preventative care.

Temporary or Short Term Medical Plans are health plans designed for times of transition and help to bridge gaps in coverage for individuals and families. Short term plans are generally less expensive than traditional health insurance, but they do not provide full coverage and they typically do not cover pre-existing conditions. Based on your needs, you can select the length of time (1 to 11 months in many states) and from a range of available deductible amounts.

Additionally, short-term health insurance plans do not contain the essential benefits required by the Affordable Care Act (ACA) to avoid penalty.

Medical travel insurance most often does not provide trip cancellation benefits, but provides valuable medical coverage when traveling abroad, much like a regular health insurance policy. Most often these types of policies will cover care and services abroad, that are not typically covered by a regular health policy.

*NOTE:  Open enrollment applies only to Major Medical Health Plans.  Other Supplemental Health Insurance, such as Short Term, Travel, Dental, Life, Disability and others can be purchased at any time of the year.

NOV 1 to DEC 15
(for Health Plans*)

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