Individual and Family Insurance

Individual and family insurance is a type of health insurance coverage that is made available to individuals and families, rather than to employer groups or organizations. Given the option, most people would prefer to have their employer provide group health insurance coverage. But, if this is not an option for you, it is still important for you to seek coverage. You may be pleasantly surprised with the variety and affordability of the individual and family health insurance options available.

Defined Contribution Health

Defined contribution healthcare is a new, cost-effective approach to health benefits. Rather than purchasing a traditional group health insurance plan, you fix your costs by giving employees monthly healthcare allowances they can use on individual health insurance. Savings can be up to 60%. It is pre-taxed and tax deductible to the employer.

Major Medical

Major medical health insurance is typically characterized by high deductibles, low monthly premiums and typically covers only major hospital and medical expenses above a certain deductible.

Life

To put it simply, life insurance protects those who depend on your paycheck. If you die prematurely, life insurance provides your dependents with ongoing income to replace yours, until (or unless) they can live comfortably without it

Dental

This insurance is designed to pay a portion of the costs associated with dental care.

Vision

Stand-alone vision will provide one annual eye exam, frames, plastic lenses, and/or contacts. For an additional fee they can be customized.

Supplemental

Lump sum cash paid policies for Accidents, Hospitalization and Critical Illness.

Short-Term Medical

If you find yourself with a temporary lapse in Medical coverage, you may opt for a short term policy month to month. They are less expensive but offer no coverage for pre-existing health conditions and they offer no benefits prior to the deductible being met.


International