Skip to content


Health Insurance

Choose the right health insurance solution for you!

  1. Coverage Needs: Assess your healthcare needs including doctor visits, prescription medications, specialist care, and potential future medical needs.
  1. Budget: Determine how much you can afford to pay in premiums, deductibles, and other out-of-pocket expenses.
  1. Network: Check if your preferred doctors, hospitals, and healthcare providers are included in the plan’s network to ensure you have access to the care you need.
  1. Prescription Coverage: If you take prescription medications regularly, ensure that the plan provides adequate coverage for your prescriptions.
  1. Benefits: Consider additional benefits offered by the plan such as wellness programs, telemedicine services, and preventive care coverage.
  1. Flexibility: Evaluate whether the plan allows you to customize coverage options to meet your specific needs.
  1. Customer Service: Look for insurance providers with a reputation for excellent customer service and support.
  1. Financial Stability: Choose a reputable insurance company with a strong financial standing to ensure they can meet their obligations and provide reliable coverage.
    You can view ratings of insurance carriers by visiting
  1. Comparing Plans: Take the time to compare different insurance plans, including premiums, coverage options, and out-of-pocket costs, to find the best fit for you.
  1. Consultation with a Professional: Consider consulting with a licensed insurance agent or broker who can provide personalized advice and guidance based on your individual situation.

By carefully considering these factors and seeking guidance from a trusted professional, you can choose the right health insurance solution that meets your needs and budget.

Products & Services

Short Term Medical

Short Term Medical insurance, also known as temporary health insurance, offers a temporary solution to address gaps in coverage during specific life situations. Here’s a breakdown of when short-term insurance might be beneficial:

  1. Between Jobs: If you’re transitioning between jobs and experiencing a gap in employer-sponsored health insurance coverage, short-term medical insurance can provide temporary coverage until you enroll in a new employer’s plan or other long-term coverage options become available.

  1. Waiting for Other Coverage: If you’re waiting for other health insurance coverage to begin, such as coverage through a new employer or enrollment in a government-sponsored program like Medicare, short-term insurance can provide interim coverage to bridge the gap.

  1. Retired and Under 65: If you’re retired and not yet eligible for Medicare (typically individuals under the age of 65), short-term medical insurance can offer temporary coverage until you become eligible for Medicare benefits.

  1. Without Health Insurance Outside of Open Enrollment: If you miss the open enrollment period for Affordable Care Act (ACA) plans and don’t qualify for a special enrollment period, short-term medical insurance can provide coverage outside of the ACA open enrollment period.

Short-term medical insurance typically offers coverage for a limited duration, ranging from a few months to up to a year, depending on the policy. It generally provides benefits for essential healthcare services such as doctor visits, hospitalization, emergency care, and prescription drugs, but coverage may be more limited compared to comprehensive health insurance plans.

It’s essential to understand that short-term medical insurance may not provide coverage for pre-existing conditions, preventive care, maternity care, mental health services, or other essential health benefits required by the Affordable Care Act. Additionally, short-term plans may have limitations, exclusions, and restrictions, so it’s crucial to review the policy details carefully before purchasing to ensure it meets your needs.

Overall, short-term medical insurance can be a valuable option for individuals in specific transitional periods or situations where temporary coverage is needed to fill gaps in health insurance. However, it’s essential to consider the limitations of short-term plans and explore other long-term coverage options for comprehensive healthcare protection.Indemnity plans offer a high degree of flexibility and choice when it comes to healthcare providers:


Indemnity plans offer a high degree of flexibility and choice when it comes to healthcare providers:

  1. Freedom of Choice: With an indemnity plan, you have the freedom to choose any doctor, specialist, or hospital for your healthcare needs. There are no restrictions on network providers, allowing you to seek care from any licensed healthcare professional or facility.
  1. Directing Your Own Healthcare: Since indemnity plans don’t require referrals or prior authorizations, you have full control over your healthcare decisions. You can schedule appointments, seek second opinions, and undergo treatments without needing approval from the insurance company.
  2. Fixed Benefit Amount: The insurance company pays a fixed benefit amount for covered services, regardless of the actual charges incurred. This fixed benefit amount is predetermined and outlined in the insurance policy. You may be responsible for paying any charges that exceed the fixed benefit amount, depending on the terms of the plan.
  1. Flexibility in Coverage: Indemnity plans typically cover a wide range of medical services, including hospital stays, surgeries, diagnostic tests, and preventive care. However, the level of coverage and the fixed benefit amounts may vary depending on the specific plan and insurance company.

Overall, indemnity plans offer flexibility and choice in healthcare provider selection, but they may also require more out-of-pocket expenses and administrative work compared to managed care plans. It’s essential to carefully review the terms and coverage details of an indemnity plan to determine if it meets your healthcare needs and financial preferences.”Our associates are licensed professionals who can help you identify what is the best coverage for you based on the budget you have to work with!”

Affordable Healthcare Solutions

“Our associates are licensed professionals who can help you identify what is the best coverage for you based on the budget you have to work with!”

Here’s a breakdown of its key points:

  1. Licensed Professionals: This assures customers that they’ll be assisted by knowledgeable individuals who understand the complexities of health insurance plans and can provide accurate guidance.

  1. Identifying the Best Coverage: The emphasis on finding the best coverage indicates a personalized approach tailored to the individual’s specific needs and circumstances.

  1. Budget Consideration: Taking into account the customer’s budget demonstrates a commitment to finding a solution that not only meets their healthcare needs but also fits within their financial means.

  1. Simplicity: The statement suggests that navigating the health insurance landscape doesn’t have to be complicated. By working with licensed professionals, customers can expect a simplified process of selecting the right plan for them.

Medicare Supplement Insurance

Medicare is your primary insurance coverage when you reach age 65 and provides beneficial coverage for health-related expenses. However, Medicare only covers 80% of Part B expenses, leaving you with the remaining 20%. If you are hospitalized, that 20% can quickly add up! A Medicare Supplement Insurance Policy helps you manage and budget your healthcare expenses with predictability and sustainability, while allowing you the freedom to choose your providers.


Health Insurance

Protect your family with the right solution. A licensed professional can help you navigate through all the choices available to you and help simplify that process!

Get a Quote Today