Offering health savings account plans for individuals and employer-sponsored plans. For some, this can provide the ultimate premium savings for the best possible coverage, with a simplified plan and even includes some generous tax benefits.   

   People today move on the average of every seven and within the time frame may change jobs several times do to a varity of reasons. Health care surfaces as an important concern for both employer and employee. With the advent of Omnibus Budget Reconciliaton Act of 1985 (COBRA) employees are allowed to continue heath coverage at group rates under certain conditions called qualifing events for qualified beneficiaries.

   Small group plans offer benefits for the small group of 2 to 9 employees.  Larger group plans are for 10 employees or more.  The next page displays our offered group health insurance companies. Some offer coverage in all the states we do business in and some in just a state or two. We have done our best to offer companies which we feel can meet cleint needs with some of the best networks and benefits in the market. Health insurance is in a state of flex with many changing rules and benefits that differ from state to state so these may change from time to time for your benefit. 

   These plans offer benefits for our individual clients application and one person group plans.  For group plans please click on the group tab. The next page displays our offered health insurance companies. Some offer coverage in all the states we do business in and some in just a state or two. We have done our best to offer companies which we feel can meet cleint needs with some of the best networks and benefits in the market. Health insurance is in a state of flex with many changing rules and benefits that differ from state to state so these may change from time to time for your benefit. 

   We offer several short term health plans and college student plans through the companies above. Short Term plans provide medical coverage for those who are between jobs, laid off, retired early, waiting for a new job plan to start, college students, and college graduates; most all medical plans drop the graduates off the parents policy on grraduation day.   These short term plans offer temporary coverage from 30 to 180 days and are renewable once for up to 180 days for graduates when they may need it most before they are into their job of during the waiting of their job.

   Every year, more people lose their homes due to a disabilty than for any other reason. We offer several short term plans and long term plans.

   We offer several vision plans. One plan is a pre-pay plan offering reimbursement up to a dollar limit with no provider limitation. Others offer network provider benefits with stated limits per year. This employee benefit offers your employees value that yeilds great returns for employers. 

   We offer individual plans, small group plans, and larger group plans with a great choice of benefits from a variety of companies. Dental insurance offers  employees value and a great return for the employer.

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   Event coverage provides the organization with Medical, Life and Disability for events of a special nature, like retreats, camps, sports events, travel within the continental U.S., or other event types. A policy can be written annually for year long coverage or for a one time event. Note Special Event Plans under Religious Organizational Insurance Plans.

   We offer medical and other travel plans including liability benefits for travel from the US to other contries, other countries to the US, or from another country other then the US to another country. Foreign travel and medical insurance provides coverage for emergency medical flights and other medical care that may be necessary when traveling abroad. Over-looking this could cost you the loss of your assets since most U.S. medical plans do not cover this important area when you leave the US. Before you travel you may want to visit this site. Link here 

  

Allianz, Mutual of Omaha, Continental our offered plans. Your need for Long-Term Care can surface at most any age and can be purchased from ages 18 to 84 to assists people with support services for their daily lives. To better understand the relationship between Medicare and Long-Term care note  http://www.medicare.gov/LongTermCare/Static/Home.asp Please review this site reguard paying for Long-Term care insurance http://www.medicare.gov/LongTermCare/Static/Medicare.asp

   These plans offer benefits that can fill in many of the gaps in Medicare plans. The plans are very standardized by governmental regulation as plan A through J. A chosen plan offers the same benefits no matter which company you are with.  A plan grid will follow at some time in the future. Note the Part D page if you are in need of that coverage.

   These plans are offered by both state and federal agencies for you or your family; they provide benefits depending on the specific governmental criteria for the qualifications that you or your family meet. These include Medicaid, Medicare, Veteran benefits, etc.

   We believe a proper understanding of terms and concepts by our clients will assist them in making wise decisions in these challenging days we find ourselves living in.