We provide a full range of health insurance services that allow individuals and families to received customized coverage tailored to their needs that not only provide coverage locally but nationally as well.
-Health Insurance:
In today's market where health insurance is often unavailable or not affordable. Our Health Indemnity Plans can help individuals and families with the ability to budget health care expenditure, by providing multiple fixed health insurance benefits they can choose according to their health care needs. These plans provide hospital, medical and outpatient Benefit coverage with additional Wellness benefits and Doctor’s Office Visit benefits to promote preventive care. Since all the benefits are defined in the plan it helps to allow the consumer to get health care coverage customized for them.
-Critical Illness Insurance
Critical Illness Insurance is designed to ease the financial pressure brought on by loss of work and unexpected expenses when diagnosed with a critical illness by providing a lump sum cash benefit paid directly to you upon the diagnosis of a covered illness such as Internal Cancer, Heart Attack, Stroke, End Stage Renal Failure, Major Organ Transplant, Coronary Artery Bypass and Angioplasty. Our critical illness option provides unique coverage that allows benefits for 2 different kinds of certain critical illness (such as cancer and stroke) as long as they are separated by more than 90 days. Meaning, it pays the lump sum twice on the same plan if needed.
-24 Hour Accident Insurance
When a covered accident occurs, the last thing you want on your mind is to worry about the charges accumulating while you are in the Emergency Room.
An accident can leave your family with a great financial burden. Protect yourself and your family with 24 Hour Accident insurance, with coverage that applies to traveling, commuting, workplace accidents, being at home, and during many other situations.:
Providing Worldwide Protection and Guaranteed renewable to age 80
Optional Accident Disability Benefit Riders are also available.
-GAP Insurance Available
Don’t want to change insurance plans? Make your current Health Insurance more affordable.
As health care costs continue to increase, many individuals and businesses are moving towards high-deductibles and increased co-insurance on major medical plans in an effort to reduce costs. While this approach reduces the cost of your health insurance, it puts you at greater financial risk. In fact, more than six in 10 adults who say they have problems paying their medical bills are covered by health insurance.
What are the benefits of GAP Insurance?
Our GAP plan helps bridge gaps in the coverage that exist in your current insurance plan by reducing or even eliminating the Out-of-Pocket expenses associated with hospital and doctor's bills. The plan pays a portion of the difference in what your medical plan would pay and what you or a covered family member would owe.
Benefits are limited to the deductibles, co-pays and co-insurance amounts that you or each of your covered family members are required to pay under your Primary Medical Insurance and include
• In-patient hospital expenses
• In-patient surgeries
• Physician’s hospital charges
• Guaranteed renewable to age 80
• Plus 50% of covered Outpatient expenses which are considered eligible expenses under your Primary Medical Insurance policy.
-Dental Insurance
A unique “hybrid” dental plan that combines traditional dental coverage with PPO discounts. A new breed of dental plans that covers the services you want at a price you can afford. Special features include:
• PPO (Preferred Provider Organization) network pricing at over 169,000 access points across the United States
• You will receive pre-negotiated prices when using a network provider
• No waiting periods on Diagnostic & Preventative services
• Diagnostic & Preventative paid at 100% when using a PPO service provider
• Freedom of choice. Unlike many PPO plans that will not pay anything if you go outside their network, this plan will pay the non-network provider at the same rate as if they were in network. You will only be responsible for any charges above the PPO fees paid.
• Contact one of our agents to customize a plan for you today.
-Medicare Supplement
As you know Medicare does not pay for all of your medical expenses. There are gaps in Medicare's coverage that can cause severe financial strain if you are not protected.
To read the Official Government Guide from the Centers for Medicare and Medicaid click on the link below.
2019 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare
How do I cover the gaps in Medicare?
We are the leader in providing Medicare Supplement Insurance to customers at affordable and stable premium rates. Normally, you must be enrolled in Medicare Part A and Part B or, if under 65 be planning on enrolling in Part B. Medicare Supplement policies are designed to cover a percentage of the Medicare approved expenses not covered by Medicare, as specified in the policies. When combined with original Medicare, our Medicare Supplement Insurance provides a high level of health insurance protection.
Additional benefits of Medicare Supplements Insurance include:
• Fast underwriting and policy issue
• Excellent customer service
• Prompt electronic claim service
What does Medicare Supplement Insurance cover?
To help you with your specific needs, we offer several standardized Medicare Supplement Insurance Plans. All Medicare Supplement plans allow you the freedom to choose your own doctor and all plans cover the following charges:
• Medicare Part A (hospital insurance) Coinsurance
• Medicare Part B (medical insurance) Coinsurance or Co-payment
Depending on the plan you choose, benefits may also be available for the following charges:
• Medicare Part A Deductible
• Medicare Part B Deductible
• Skilled Nursing Facility
• Additional Days not covered by Medicare
• Health Care received while traveling outside the U.S.
