Health Maintenance Organization (HMO)
Lower costs with network-based care and preventive services.
Health insurance made simple
Navigating healthcare costs can be overwhelming.
We offer tailored health insurance plans for individuals, employees and Medicare needs, bringing you peace of mind and financial security.
Our health insurance services
Group health insurance: employee-centric coverage
Group health insurance offers comprehensive coverage for employees, providing affordable medical benefits for individuals and their families through their workplace.
It comes in several plan types, so employers can match coverage to their people’s needs and preferences.
Preferred Provider Organization (PPO)
Flexibility to see any provider, with savings within a preferred network.
Exclusive Provider Organization (EPO)
Network-focused, often with lower premiums.
High-Deductible Health Plan (HDHP)
Paired with a Health Savings Account (HSA), ideal for those who want to save on premiums and build savings for medical expenses.
Who group health insurance suits
Employers seeking to provide quality health benefits to their workforce.
Organizations aiming to enhance job satisfaction and retain top talent.
Companies focused on supporting the overall well-being of their employees.
Individual health insurance: personalized plans
Individual health insurance offers customized coverage for you and your family, ensuring you get the medical benefits that best meet your needs.
Options include catastrophic, major medical, short-term and HSA-eligible plans to suit your healthcare needs and budget.
Catastrophic insurance
High-deductible, low-cost plans for major medical events.
Major medical insurance
Comprehensive, covering doctor visits, hospital stays and prescriptions.
Short term insurance
Temporary plans for interim coverage needs.
HSA eligible plans
High-deductible plans allowing tax-advantaged savings for healthcare costs.
Who individual health insurance suits
Ideal for self-employed individuals in need of flexible health coverage.
Perfect for families looking for comprehensive, standalone health plans.
A great option for retirees or anyone seeking independent health insurance.
Medicare and Medicare Supplement plans: filling the gaps
Medicare and Medicare Supplement plans help cover healthcare costs that Original Medicare does not fully pay, for people 65 and older and others who qualify.
Medicare covers the basic services, and the plans below fill in the gaps for additional care and expenses.
Original Medicare
Covers hospital (Part A) and medical (Part B) services, with no yearly cap on out-of-pocket costs.
Medicare Advantage
Combines Parts A, B and often D, adding benefits like vision and dental.
Medigap plans
Fills gaps in Medicare, covering copayments, deductibles and coinsurance.
Prescription drug coverage
Standalone prescription drug coverage for those with Original Medicare.
Who Medicare plans suit
Designed for people on Medicare seeking more complete coverage.
Ideal for those looking for financial predictability in healthcare expenses.
Perfect for individuals wanting additional benefits beyond Original Medicare.
Get started with health insurance
Choosing health insurance can be complex, but we’re here to make it simple. Explore options suited to your stage of life, health needs and financial goals.
Frequently asked questions
How is Group Health Insurance different from Individual Health Insurance?
Group health insurance is usually employer-provided and more affordable due to shared risk, while individual plans are self-purchased and tailored to personal needs.
What does a Medicare Supplement plan cover?
Medigap plans cover out-of-pocket expenses like copays, coinsurance and deductibles not fully covered by Original Medicare.
Can I buy health insurance outside of open enrollment?
Yes, you can if you experience a qualifying life event, such as marriage, job loss or relocation, which triggers a Special Enrollment Period.
What is the difference between HMO and PPO health plans?
HMO (Health Maintenance Organization) plans require you to choose a primary care physician and get referrals for specialists, while PPO (Preferred Provider Organization) plans offer more flexibility to see specialists without a referral and allow you to visit out-of-network providers at a higher cost.
How can I reduce my health insurance premiums?
Choosing a higher deductible usually lowers premiums, and a high-deductible plan can be paired with a Health Savings Account. You may also qualify for premium tax credits through the Health Insurance Marketplace, or for Medicaid, depending on your income. We can compare the trade-offs with you.
Why wait? Your financial future is calling.
The sooner you start, the more options you have. Book a call and we will walk through where you stand today.