Quality Health Coverage Options

Insurance Plans That Put You First

Health insurance shouldn't be complicated or confusing. We offer straightforward coverage options that protect your health and your budget, with expert guidance every step of the way.

PPO Plans

Seamless coverage until Medicare eligibility with comprehensive benefits

Fixed Indemnity

Direct cash benefits that complement your existing coverage

Major Medical

Complete ACA-compliant coverage for comprehensive protection

Dental, Vision & Hearing

Essential coverage for your everyday health needs

PPO Plans

Pre-Medicare Coverage

Bridge the Gap to Medicare with Confidence

Perfect for those approaching Medicare eligibility, our PPO Plans provide comprehensive health coverage that mirrors Medicare benefits, ensuring you're protected until Medicare kicks in.

Key Benefits

Understanding PPO Plans

Complete Coverage Until Medicare

PPO Plans are designed specifically for individuals approaching Medicare eligibility who need quality health coverage. These plans mirror the comprehensive protection of Medicare Parts A and B, ensuring you have access to both hospital and medical coverage during your transition period.

Whether you're retiring early or need coverage until Medicare eligibility, our PPO Plans provide:

Ready to Bridge Your Coverage Gap?

Common Questions

PPO Plans FAQ Get answers to common questions about our PPO Plans and how they work.

How long can I keep a PPO Plan?
You can maintain coverage until you become eligible for Medicare. We'll help you transition smoothly to Medicare when the time comes.
Do PPO Plans cover pre-existing conditions?
Yes, these plans provide coverage for pre-existing conditions after a short waiting period, typically 6-12 months.
Can I keep my current doctors?
PPO Plans offer broad provider networks, and we'll help you verify if your preferred doctors are covered before you enroll.

Fixed Indemnity

Direct Cash Benefits

Flexible Protection When You Need It Most

Fixed Indemnity Plans provide direct cash benefits for covered services, giving you the freedom to use the funds as needed while complementing your existing coverage.

Key Benefits

Understanding Fixed Indemnity

Simple Benefits, Maximum Flexibility

Fixed Indemnity Plans provide a straightforward approach to healthcare coverage, paying set cash amounts directly to you when you receive covered services. These plans work great on their own or as a supplement to other coverage.

Our Fixed Indemnity Plans can help with:

Get the Financial Protection You Deserve

Common Questions

Fixed Indemnity FAQ Understanding how Fixed Indemnity Plans work to protect your finances.

How do cash benefits work?
When you receive covered services, we pay a set cash amount directly to you, regardless of what your provider charges.
Can I use this with other insurance?
Yes, Fixed Indemnity Plans work great alongside other coverage, providing additional financial protection.
How quickly are claims paid?
Most claims are processed within 7-10 business days, with benefits paid directly to you.

Major Medical

Comprehensive Coverage

Complete Health Protection Under the ACA

Major Medical Plans offer the most comprehensive health insurance protection available. These plans meet all ACA requirements and provide coverage for everything from preventive care to major medical events.

Key Benefits

Understanding Major Medical

Complete Health Coverage You Can Trust

Major Medical Plans offer the most comprehensive health insurance protection available. These plans meet all ACA requirements and provide coverage for everything from preventive care to major medical events.

Your Major Medical Plan includes:

Get Comprehensive Health Protection

Common Questions

Major Medical FAQ Learn more about our comprehensive Major Medical Plans.

What makes a plan ACA-compliant?
ACA-compliant plans must cover essential health benefits, including preventive care, prescriptions, and hospital stays, with no annual limits.
Can I get help paying for coverage?
Many individuals qualify for premium tax credits that significantly reduce monthly costs. We'll help you check your eligibility.
When can I enroll in a Major Medical Plan?
You can enroll during Open Enrollment or if you qualify for a Special Enrollment Period. We'll help determine your eligibility.

Dental, Vision & Hearing

Essential Health Coverage

Clear Coverage for Your Daily Health Needs

Protect your everyday health with comprehensive dental and vision coverage. Access routine care, procedures, and savings on essential services from trusted providers.

Key Benefits

Understanding Dental & Vision

Essential Care for Overall Health

Dental and Vision coverage is crucial for maintaining your overall health. Our plans make it easy and affordable to access the care you need, when you need it.

Your coverage includes:

Protect Your Dental & Vision Health

Common Questions

Dental & Vision FAQ

Get answers about our Dental & Vision coverage options

How soon can I use my benefits?
Preventive services are available immediately, while basic and major procedures may have waiting periods of 3-6 months.
Are my preferred providers covered?
We work with extensive provider networks, and we'll help you check if your preferred providers are included.
What additional discounts are available?
Members receive additional savings on services like LASIK, hearing aids, and cosmetic dental procedures.
Looking for health insurance that works for your life and budget? We get it. Healthcare shouldn't be a maze of confusing terms and surprise costs.

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