Insurance Options

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Key plan features:

• Self Employed? High Income? Healthy? These plans are the right fit for you.
• Shop insurance plans that don't get impacted by your income and have no connection to the Government.
• In most cases, they provide benefits upfront, rather than having to deal with co-pays or deductibles first.
• Access to nationwide PPO networks.
• It does require some medical underwriting where they review your health history to determine if you can qualify.
• Minimal price increases year to year with some options offering durations of rate lock guarantees. 
• Flexibility to change plans in the middle of a calendar year without the need for a qualifying life event or special enrollment period. 

Key plan features:

• Your job is to protect the health of your patients, our job is to make sure YOU have the same protection!
• Our goal is to ensure you have the proper protection if health issues were to arise. 
• We will ensure that you have the ability to see your preferred doctors and facilities of your choosing!
• If your income exceeds your ability to afford proper coverage, we are here to help!
• Without tax subsidies, plans are often extremely expensive.
• If you underestimate your income, you may end up having to pay back your subsidy.
• You often have to satisfy a large deductible before receiving the majority of your benefits through certain insurers.
• Let us help you find the right plan to protect you when you need it most!

Key plan features:

• Most real estate firms hire agents as contract workers, meaning no health benefits are available. 
• This means, most real estate agents have to navigate the market on their own, and they often end up overpaying.
• We specialize in plans that are based on your health and not your wealth!
• If you are able to medically qualify, there are plans available that offer low-deductible affordable coverage!
• You no longer have to worry about getting hit with a tax penalty at the end of the year due to underestimating your income!

Key plan features:

• If you own a small business with less than 50 employees, group health plans can get expensive!  
• We specialize in coverage options focused on cutting costs for employers and their employees! 
• We will work with you and/or your employees directly to help formulate coverage options that both fit your needs and budget! 
• These plans are fully customizable giving us the ability to tailor a plan to fit your exact needs! 
• Options for both employees and their families!
• Have the ability to offer your employees PPO options giving them access to doctors. and hospitals nationwide through major insurers.

Options Available:

• Medical
• Dental
• Vision
• Life
• Accidental Coverage
• Critical Illness Coverage
• Short-Term Disability
• Accidental Death & Dismemberment
• Telemedicine

Key plan features:

• Truck drivers have challenges when it comes to trying to secure health insurance that is both affordable and flexible enough to provide nationwide coverage. 
• We specialize in not only helping you find affordable coverage, but also coverage that you can use nationwide!
• Don't get stuck on an HMO plan that restricts where you can go for your medical needs!
• PPO coverage will give you the ability to access doctors and hospitals regardless of the state you are in!

HMO vs PPO:

• HMO stands for Health Maintenance Organization, and the coverage restricts patients to a particular group of physicians called a network.

•  PPO is short for Preferred Provider Organization and allows patients to choose any physician they wish, either inside or outside of their network.

• Patients in with an HMO must always first see their primary care physician (PCP). These plans require a referral from your PCP prior to receiving care from a specialist. 

• With a PPO plan, you can see a specialist without a referral.

• With an HMO plan, you must stay within your network of providers to receive coverage. 

• Under a PPO plan, patients still have a network of providers, but they aren’t restricted to seeing just those physicians. You have the freedom to visit any healthcare provider you wish.

Key plan features:

• If you are struggling to find affordable health coverage that will protect you on and off the job, you came to the right place!
• We will work directly with you to ensure you are properly covered in case of an emergency!
• In most cases, they provide benefits upfront, rather than having to deal with co-pays or deductibles first.
• Access to nationwide PPO networks.
• It does require some medical underwriting where they review your health history to determine if you can qualify.
• Minimal price increases year to year with some options offering durations of rate lock guarantees. 
• Flexibility to change plans in the middle of a calendar year without the need for a qualifying life event or special enrollment period.