Health Insurance That Fits Your Life

Looking for affordable dental coverage? We partner with Delta Dental to offer individual and pediatric plans you can quote, customize, and purchase entirely online. These plans cover everything from routine cleanings and X-rays to more advanced procedures like crowns, bridges, and dentures. You can visit any licensed dentist, but you’ll save most when you choose an in-network provider.

Health insurance is essential to protecting both your well-being and your finances. A typical plan can cover:

• Primary care and specialist visits
• Hospital stays and surgical procedures
• Prescription drugs
• Pregnancy and childbirth
• Mental health services
• Dental coverage (with some plans)

Whether you need an individual plan, coverage for your family, or options for your employees, our team will help you find the right fit.

• HMO (Health Maintenance Organization): Lower costs, network-based care, and a focus on preventive services. This type of plan works best if you’re comfortable choosing a primary care doctor who will guide your care and refer you to specialists within the network.

• PPO (Preferred Provider Organization): Greater flexibility, access to out-of-network providers, and no referral requirements. You can see any doctor you like, but you’ll save the most money when you choose providers in your plan’s network.

• EPO (Exclusive Provider Organization): Network-based care without a primary care requirement, often at lower cost. It’s a good choice if you want a lower premium but still have access to specialists, just remember, care outside the network typically isn’t covered.

• POS (Point of Service): A hybrid of HMO and PPO, allowing out-of-network referrals from your primary care provider. This option gives you some flexibility while still helping you keep costs down by using in-network doctors.

• GAP Plans: Supplemental coverage for high deductibles or unexpected major medical expenses. Think of this as an extra safety net that helps with large medical bills or even everyday expenses if you can’t work due to illness or injury.

• Medicare: Federal coverage for seniors and those with qualifying disabilities, including Medicare Advantage and prescription drug plans. We can help you sort through the parts and plans to find one that covers your health needs without leaving costly gaps.

• Individual: Purchased privately for yourself or your family. This is a flexible option if you’re self-employed, between jobs, or your employer doesn’t offer coverage.

• Group: Employer-sponsored plans that may include dependents, often with shared premium costs. They’re a great way to get coverage at a lower rate, with the employer sometimes paying part of the bill.

• Medicare Supplements (Medigap): Additional coverage to fill gaps left by Original Medicare, like copayments and deductibles. These plans help you avoid surprise medical bills by covering costs Medicare doesn’t fully pay for.