Our Specialties

Individual Health Insurance 

It begins with ACA and ends with, well, an incredible list of acronyms and confusing terminology. What do they all mean? Now that the Affordable Care Act is fully implemented, the options for health care have become increasingly confusing. Here is a quick overview of the basic terminology.

• ACA – refers to the Affordable Care Act legislation that was established to change the requirements for insurance. All health insurance policies must comply with government-regulated ACA guidelines.
• On Exchange – ACA policies purchased through Healthcare.gov which typically include government subsidies.
• Off Exchange – ACA-compliant policies offered by private insurers. No government subsidies.
• Short Term Major Medical – policies that are underwritten and can be purchased outside of the ACA enrollment period. They cover the insured for less than a year.
• Healthshare Organizations – not insurance policies. These are non-profit organizations that coordinate members in the sharing of healthcare costs.

These definitions only scratch the surface of what you need to know to make good health insurance decisions. From HMOs to PPOs to HSAs, there are many different types of policies, coverage options, doctor networks and out of pocket expense considerations. While you could read about these online, you can also give us a call and we will explain them to you quickly and easily. We're here to help!

Small Group Health Insurance

A small group is defined as 2-50 people. However, in some instances, a group health insurance plan can be written with only one person. We can help you find the program that fits you and/or your small group.

We also have group life insurance, disability, dental, and critical illness to serve this market. Just contact us!

Medicare Supplements and Medicare Advantage

Medicare can be a confusing mire of information. As one client recently asked, "How does anyone navigate through this government regulation madhouse?" Good news: you don't have to navigate it alone. Just give us a call and we will explain the process to you step by step. We will walk you through enrollment in Medicare Supplements, Medicare Advantage, and/or prescription drug plans (Part D). How can we help you?

Life Insurance

Term, Whole Life, Universal Life, Conversions, 1035 Exchanges, we do it all. There are many different types of life insurance policies on the market, and many have different features or options available. Everything depends on what you want from your life insurance and what your family will need if anything happens to you.

Our consultative approach helps you determine the best policy to accommodate your needs. If you already know exactly what you want, we will find that for you at the best price available.  Give us a call for a Free Consultation about your unique circumstances.