DENTAL
Discount dental plans are designed for individuals and families looking to save money on dental care services. Participating providers in the dental plans we offer have agreed to accept a discounted fee as payment-in-full for services performed. As a plan member, you simply show your membership card when visiting any participating plan provider to receive dental services at discounted fees.

INDIVIDUAL
Individual and family health insurance is a type of health insurance coverage that is made available to individuals, families, or children only, rather than to employer groups or organizations. Given the option, most people would prefer to have their employer provide group health insurance coverage due to cost. But, if this is not an option for you, it is still important for you to seek coverage and can be a good choice if your employment may change. Sometimes the cost to add a spouse or dependant is very expensive so individual coverage may be a good fit. Individual insurance is purchased directly from an insurance company, through an agent. When you apply for individual insurance, you are evaluated in terms of how much risk you present. This is done through a series of medical questions. Your risk potential determines whether you qualify, and how much your insurance will cost. Individual health insurance can be denied, may exclude pre-existing conditions and may have waivers.

INTERNATIONAL/TRAVEL-
Travel medical coverage is available for trips ranging from 5 days to 12 months (with some plans offering continuing coverage options) and is available to US and Non-US Citizens worldwide. Up to $1,000,000 in travel medical coverage is available. You can choose from a variety of travel medical policies, from a number of industry-leading carriers. We make obtaining travel medical coverage simple, fast and hassle-free.

LONG TERM CARE
Long term care is an insurance policy to help with the cost related to receiving care, due to the inability of taking care for one self. Generally, to an insurance policy pay for LTC, you must get verification that you either need help with the actives of daily living (eating, bathing, dressing, transferring, continence) or that you suffer fro a cognitive impairment. There are Tax-Qualified and non Tax-qualified plans. Your policy may help pay for cost associated with nursing homes, assisted living facilities or in home care. There are a number of factors such as your elimination period, your benefit period and the type of plan purchased that will affect the premium charged. Due to various needs by clients, it is hard to recommend a certain plan until all information is gathered. We work with a number of carriers to find a plan to fit you needs.

MEDICARE
The federally sponsored program originating in 1966 to provide health care for seniors and retirees. Currently, once you have been employed and qualify for social security you are eligible for Medicare on the 1st day of the month of your 65th birthday. You may also qualify for Medicare if you are receiving social security for two years following a disability. There are two options you need to consider once you have received your Parts A & B Medicare benefits. First, is a traditional supplement to Medicare. This will give you the greatest flexibility in providers and will allow you to receive benefits anywhere throughout the US. However, the drawback is the premium involved and, if elected you will need to add a Part D prescription Drug plan.
The second and less expensive option is a Medicare Advantage Plan. This involves assigning your Medicare benefits directly to an insurance company. The advantage is lower monthly premiums and the plan may include a Part D drug benefit. However, you will be subject to co-payments when you use these plans and you may have a network of providers in which you must utilize. Your benefits may also be limited outside your service area. The right plan will depend upon your individual circumstance.

SHORT TERM MEDICAL
This is temporary health insurance that offers coverage for a short time period – i.e., 30-185 days. Short term health insurance is ideal for individuals who experience a gap in their health insurance coverage. Many short-term health insurance policyholders are between jobs, waiting for employer group coverage, laid off, on strike, recent college graduates or seasonal employees.