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Final Expense Plans

Final expense insurance is designed to help protect your loved ones from the financial burden of funeral costs related to your passing. Unlike life insurance, final expense policies have a much lower face value because they are intended to only cover costs related to a person’s final expenses. Therefore, these policies can often be purchased at low or reasonable premiums.

Features include:

• Premiums do not increase, ever
• As long as make you premium payment, policies will remain effective
• Guaranteed death benefit

Rx Discounts & LifeLock

We offer the following through our partner, Freshbenies:

• Discounted prescriptions
• Discounted legal services and advice from top legal profesional network.
• Discount on LifeLock with access to identity theft professionals to help prevent indentity fraud or restore your reputation.
• Discounts on petcare from participating veterinarians. Plus, additional savings for boarding, pet-sitting, vitamins, pet food and more.
• Caregiver support and healthcare coaching through secure portal.
• And more.

Gap Insurance

Gap insurance provides benefits that supplement a low premium, high deductible major medical health plan. It works by paying a significant amount of the deductible.  More specifically, the additional benefits help to cover out-of-pocket expenses related to coinsurance, co-pays and deductibles for inpatient and outpatient services. For example, if you have a $5,000 deductible on your major medical plan, gap coverage could pay up to $4,000 of that deductible.  You may find you save more money with a low premium high deductible health plan, along with the additional premium for gap insurance, when compared to one low deductible, high premium plan.

Telemed Plans

On demand healthcare via phone, anytime, anywhere to treat common medical issues, such as cold, flu, respiratory infections, allergies, skin conditions, depression, stress, addiction and more.  Enjoy an extensive network of licensed physicians with varying specialties who can diagnose illnesses, and, in many instances, prescribe medications.

Telehealth is an emerging healthcare solution that has shown proven to improve patient outcomes and save heathcare consumers thousands, if not more, in healthcare costs.

Critical Care and Critical Illness Plans

These supplemental plans help individuals augment their health insurance or Medicare insurance and create a financial safety net for excessive out-of-pocket expenses, unforeseen health issues and/or accidents.

A critical illness or accident can prove disastrous to the financial future of both you and your family.   But, accidents can happen anytime and surviving a critical illness is becoming increasingly common with the advances in modern medical technology.  A Critical Illness Plan, Heart, Stroke or Accident Plan can help reduce the personal financial impact of the cost of fighting or recovering from an illness or accident, and keeping up with everyday bills through that process. These policies will provide a lump-sum cash payment upon approval of a covered accident or condition. If you have a health insurance plan and/or disability insurance, these policies will provide benefits in addition to your other coverage.

Key Features 

• Lump-sum cash benefit paid directly to you.
• You decide how best to spend your payment.
• No network restrictions.
• Benefit level choices tlo fit your needs and budget.
• Simple plan options for your needs and budget.

Medicare Supplements

This coverage complements your Original Medicare Parts A and B and covers more of your out-of-pocket expenses.  While plans are regulated and contain the same benefits, premiums do vary greatly. Ultimately, the best Supplement Plan is one that is purchased from a quality carrier, has a low premium and leaves you with the least or no out of pocket expenses.

Note:  You can purchase a Medicare Supplement at any time of the year, but you must already be enrolled in Medicare.  Also, if you purchase a plan during open enrollment, you may skip medical underwriting.

Travel Health Plans

Medical travel insurance is typically very affordable and provides valuable medical coverage when traveling in the US or abroad, much like a regular health insurance policy. Most often these types of policies will cover care and services that are not typically covered by your regular health policy or Medicare.

Short Term Health Plans

Short Term Medical Plans can be purchasede any time of the year and help to bridge gaps in coverage.  Length of coverage may vary by state and be up to 1 year with an option to renew for longer terms.  Short-term health coverage is less expensive than traditional health insurance because it does not provide full coverage, nor does it cover pre-existing conditions. Additionally, short-term health insurance plans do not contain the essential benefits required by the Affordable Care Act (ACA).

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