INSURANCE MADE SIMPLE
PLANS TAILORED TO YOUR LIFE, HEALTH AND BUDGET
Dental & Vision Plans
Affordable add-ons to complete your coverage.
Health Share Plans
Affordable community-based alternatives to traditional insurance that help members share medical expenses.
Senior Health Plans
Customized Medicare options to help you get the coverage, savings, and support you need in retirement.
Life Insurance
Financial protection that provides your loved ones with security and stability when it matters most.
Short-Term Medical Plans
Flexible, affordable options to bridge gaps in coverage.
Accident, Sickness & Hospital Plans
Cash benefits that help when the unexpected hits.
Minimal Essential Coverage (MEC) Plans
Essential preventive care at a lower cost, helping you stay compliant and stay healthy.
Group Coverage
Affordable, valuable benefits that support employee health, retention, and satisfaction.
Individual & Family Plans
What Is Individual & Family Health Coverage?
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Often referred to as Affordable Care Act (ACA) plans, major medical insurance, or “Obamacare,” these policies meet all ACA requirements and are among the most comprehensive options available. They’re designed to protect you and your family from high medical costs, whether for ongoing care, routine services, or unexpected emergencies.
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If you have a chronic condition or face a serious medical event, this type of plan can help safeguard your finances against overwhelming expenses.
How Do These Plans Work?
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ACA-compliant insurance provides broad coverage for both inpatient and outpatient care. Benefits typically include:
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Routine doctor visits
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Prescription medications
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Preventive care and screenings
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Hospital stays and emergency care
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Specialist visits and more
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Importantly, you cannot be denied coverage due to preexisting conditions, and you’ll have the security of knowing your costs are capped by annual deductibles and out-of-pocket maximums.
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Is Individual & Family Insurance Right for You?
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This type of plan may be a good fit if you:
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Want coverage that goes beyond basic check-ups and physicals
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Prefer the financial protection of set out-of-pocket maximums
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Can budget for a higher monthly premium in exchange for stronger overall protection
Short-Term Medical
What Is Short-Term Medical Insurance?
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Short-Term Medical (STM) insurance provides temporary medical coverage for times when you’re between major health plans, outside of open enrollment, or simply need protection in case of an unexpected event. These plans are available year-round, offering flexibility when you need it most.
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Short term plans are often more affordable than traditional health insurance and are designed to bridge coverage gaps. They include features such as co-pays, deductibles, and maximum out-of-pocket costs—so you’ll know your financial responsibility upfront. This can help protect you from large, surprise medical bills if a major health issue arises.
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Is Short-Term Medical Right for You?
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Short-Term Medical coverage may be the right fit if you:
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Want a lower-cost alternative to comprehensive health plans
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Need coverage you can cancel anytime without penalties
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Prefer a range of plan designs that can fit your specific needs
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Like the option of co-pays for doctor or specialist visits—even before meeting your deductible
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Are looking for coverage that’s based on your health, not your income
Accident, Sickness & Hospital
What Is Accident, Sickness & Hospital Insurance?
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Accident, Sickness & Hospital (ASH) plans—sometimes called fee-for-service plans—give you the freedom to choose your own doctors, specialists, and hospitals without requiring referrals or a primary care provider. The insurance company pays a set portion of your total charges, and coverage can often begin immediately, with guaranteed acceptance in many cases.
How Do These Plans Work?
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With an ASH plan, you have the flexibility to direct your own care:
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See any physician, specialist, or hospital you prefer
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In many cases, receive coverage starting with your very first claim
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Pay up front for care (in some plans) and submit claims for reimbursement
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Benefit from first-dollar coverage, where the insurer begins paying from your first claim without requiring you to meet a deductible
In some situations, a deductible may apply. Once it’s met, the insurer generally covers a percentage of the usual, customary, and reasonable (UCR) rate—the standard amount healthcare providers charge in your area.
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Is an Accident, Sickness & Hospital Plan Right for You?
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This type of plan may be a good fit if you:
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Want maximum freedom in choosing doctors, specialists, or hospitals
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Prefer not to designate a primary care physician or get referrals
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Value the ability to visit any provider without restrictions
Dental & Vision Insurance
What Are Dental & Vision Plans?
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Dental and Vision insurance plans help cover routine and unexpected care for your teeth and eyes—two areas often not included in traditional health coverage. These plans are designed to keep preventive care affordable while also protecting you from high out-of-pocket costs if more extensive treatment is needed.
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With a wide range of options available, you can choose plans that fit your personal or family needs, whether you’re looking for basic coverage or more comprehensive benefits.
How Do These Plans Work?
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Dental and Vision plans generally provide:
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Preventive care benefits such as cleanings, exams, and screenings at little or no cost
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Coverage for treatments like fillings, crowns, root canals, or periodontal services
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Vision benefits including annual eye exams, allowances for glasses or contact lenses, and discounts on corrective procedures
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Networks of providers that help keep your costs lower, while still offering the option to see out-of-network providers at different rates
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Most plans include copays, deductibles, and annual benefit maximums, so you’ll know your potential costs and coverage levels in advance.
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Is Dental & Vision Insurance Right for You?
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These plans may be a good fit if you:
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Want affordable access to preventive care to maintain long-term oral and eye health
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Need financial protection from the high cost of major dental procedures or vision correction
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Prefer flexible plan designs to fit individual or family needs
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Would like regular check-ups, cleanings, and eye exams without worrying about unexpected bills
Health Share Plans
What Are Health Share Plans?
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Health Share Plans—sometimes called Health Care Sharing Ministries or Medical Cost-Sharing Programs—are membership-based organizations where individuals and families come together to share one another’s medical costs. Unlike traditional insurance, these programs are not issued by an insurance company or regulated as insurance. Instead, members contribute a set monthly amount, which is then used to help pay for eligible medical needs within the community.
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How Do These Plans Work?
Each month, members pay a monthly share amount (similar to a premium) that goes toward helping other members with their medical bills. When you have a qualifying medical expense, you submit your bills to the organization for review, and eligible expenses are shared among the group.
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Each month, members pay a monthly share amount (similar to a premium) that goes toward helping other members with their medical bills. When you have a qualifying medical expense, you submit your bills to the organization for review, and eligible expenses are shared among the group.
Most programs include:
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Defined guidelines for what is and isn’t shareable
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Personal responsibility amounts (similar to deductibles)
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Networks or provider options for lower negotiated rates
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Because these are not insurance plans, they often have lower monthly costs but may also have more limitations and exclusions.
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Is a Health Share Plan Right for You?
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Health Share Plans can be a good fit for individuals and families who:
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Are generally healthy and want lower monthly costs
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Don’t qualify for or prefer not to purchase ACA-compliant insurance
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Value community-based support and transparency in healthcare costs​
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However, these plans may not be ideal for those needing guaranteed coverage for pre-existing conditions or certain preventive services. It’s important to review plan guidelines carefully and understand what expenses may or may not be shared.​
Minimal Essential Coverage (MEC) Plans
What Are MEC Plans?
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Minimum Essential Coverage (MEC) plans are affordable, preventive-care focused health plans that meet the ACA’s basic coverage requirements. They’re designed to provide essential wellness benefits—such as annual checkups, screenings, and vaccines—without the cost of a major medical policy.
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How Do These Plans Work?
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MEC plans cover 100% of ACA-mandated preventive services when you use in-network providers. These plans do not provide full major medical coverage but are a popular option for:
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Individuals who want basic health benefits at a lower cost
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Employers seeking compliant, budget-friendly coverage options
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People who already have other forms of catastrophic protection
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Coverage typically includes:
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Annual physical exams
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Routine screenings
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Immunizations
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Preventive lab work
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Women's preventive health services
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Wellness visits
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Is a MEC Plan Right for You?
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A MEC plan may be a good fit if:
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You want preventive-care coverage at a minimal cost
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You’re looking for ACA compliance without full major medical premiums
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You’re an employer seeking an affordable group option
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You are generally healthy and primarily need routine care
Senior Health Plans
What Are Senior Health Plans?
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Senior Health Plans provide healthcare coverage for individuals age 65 and older, including Medicare Advantage, Medicare Supplement (Medigap), and Prescription Drug Plans (Part D). These plans help seniors manage healthcare costs, protect their retirement savings, and ensure access to the care they need.
How Do These Plans Work?
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Depending on the plan type, Senior Health Plans may offer:
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All-in-one Medicare Advantage coverage (Part A, B, often D)
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Freedom to see any provider nationwide with Medigap
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Prescription drug coverage
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Dental, vision, and hearing benefits
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Out-of-pocket cost protection
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We help compare options based on:
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Your medications
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Doctors and preferred hospitals
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Travel or snowbird lifestyle
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Budget and healthcare needs
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Eligibility and enrollment windows
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Is a Senior Health Plan Right for You?
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Senior Health Plans may be right for you if:
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You’re turning 65 or new to Medicare
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You want help choosing the most cost-effective plan
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You prefer a plan with additional benefits (dental, vision, hearing, fitness)
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You want predictable monthly costs and strong financial protection
Group Coverage
What Is Group Coverage?
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Group Coverage provides health and insurance benefits to employees through employer-sponsored plans. These plans help businesses attract and retain talent while giving employees access to affordable, tax-advantaged coverage. Options range from traditional group health insurance to modern, flexible supplemental benefits tailored to today’s workforce.
How Do These Plans Work?
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Employers choose the type of coverage they want to offer, and employees enroll during the company’s benefit window. Depending on the plan design, employers may contribute to premiums, or employees may elect voluntary benefits at group-discounted rates.
Common options include:
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Group Health Insurance (Major Medical or Level-Funded)
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Group Dental & Vision
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Group Life Insurance
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Short-Term & Long-Term Disability
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Critical Illness & Accident Plans
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Supplemental Health Benefits
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Level-Funded and Self-Funded Alternatives
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Key advantages:
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Lower premiums through group purchasing power
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Pre-tax payroll deductions (Section 125)
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Broader benefit options with simplified underwriting
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Increased employee satisfaction and retention
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Is Group Coverage for You?
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Group Coverage may be right for you if:
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You’re a business owner wanting to offer competitive employee benefits
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You want to reduce turnover and boost employee morale
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You prefer tax-deductible business expenses
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You want flexible options for businesses of all sizes — including small teams and startups
Life Insurance
What Is Group Life Insurance?
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Life insurance is a financial protection product that pays a tax-advantaged benefit to your chosen beneficiaries in the event of your passing. It is designed to help cover expenses such as income replacement, debts, mortgage payments, education costs, and final arrangements.
Policies are available in several forms—most commonly Term Life (coverage for a set period) and Permanent Life (lifelong coverage with potential cash value growth).
How Do These Plans Work?
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You pay a monthly or annual premium to keep the policy active. In return, the insurance company guarantees a payout (the death benefit) to your beneficiaries.
Most life insurance policies include:
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Fixed or level premiums depending on the policy type
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Guaranteed death benefit paid directly to beneficiaries
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Optional riders such as living benefits, critical illness, or waiver of premium
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Cash value accumulation for certain permanent life policies
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Coverage amounts and pricing depend on your age, health, lifestyle, and financial goals.
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Is Life Insurance Right for You?
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Life insurance is a strong fit for individuals and families who:
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Want to protect loved ones from financial hardship
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Have dependents or long-term financial commitments
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Wish to leave a legacy or cover end-of-life expenses
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Are looking for tax-efficient strategies for savings or estate planning (with certain permanent policies)
If you want peace of mind knowing your family will be protected financially, life insurance is one of the most reliable and customizable solutions available.