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Flexible Health Insurance Solutions
Major Medical Health Insurance
A type of insurance coverage that pays for medical and surgical expenses that are incurred by the insured. Most major medical health insurance plans under the Affordable Health Care Act (ACA) offer 10 essential benefits that all plans must have (deductibles, out of pocket limits, RX, Maternity etc). These types of plans usually have no medical underwriting and can only be written during “open enrollment” or a “special enrollment period”.
Short Term Major Medical Insurance
This type of insurance is for a specified period of time, normally ranging from 1-11 months. Short-term plans typically do not cover any pre-existing medical conditions and require some sort of medical underwriting.
Limited/Fixed Benefit Plans
Group Health Insurance
Group medical coverage refers to a single policy issued to a group (typically a business with employees, although there are other types of groups that can get coverage) that covers all eligible employees and sometimes their dependents.
A life insurance policy is a contract where the insurance company provides a lump-sum payment known as a death benefit, to beneficiaries in the event of the insured’s death, in exchange for a monthly premium. Typically life insurance is chosen based on the needs and goals of the owner.
Affordable Care Act (ACA)
If you are considering an Affordable Care Act (ACA) plan through the government website healthcare.gov, we’ve created a brief tutorial that walks you through the information they ask, finding a plan, and creating an account.
Critical Illness/Critical Care
Is typically a lump sum cash payment to an insured when an accident happens. Accident coverage is great to help supplement deductibles and also help with bills incurred during recovery.