Services
Medicare Advantage and Prescription Drug Plans
Advantage plans combine hospital and medical coverage into one plan and often include extra benefits like dental, vision, hearing, and even fitness programs, helping simplify your healthcare while potentially lowering out-of-pocket costs. Many plans have a $0 monthly premium and include prescription drug coverage, so you have one card and one plan managing your care. If you choose to keep Original Medicare, a standalone Medicare Part D plan can help reduce the cost of your medications and protect you from high pharmacy expenses throughout the year
Under 65 Individual and Family Medical Plans
Individual and family medical plans — both on and off the Marketplace — give you flexible coverage options based on your budget, doctor preferences, and healthcare needs. On-exchange plans through the Health Insurance Marketplace may offer premium tax credits if you qualify, while off-exchange plans can provide additional carrier and network choices. Together, these options allow you to customize coverage that protects your health and your finance
Critical Illness Plans
Critical illness plans provide a lump-sum cash benefit in case you’re diagnosed with a serious condition such as Cancer, Heart Attack, or Stroke. The benefit is paid directly to you and can be used for medical bills, household expenses, travel for treatment, or any financial needs that arise during recovery. These plans work alongside your health insurance to provide added financial protection during a serious health event.
Medicare Supplements (Medigap) Plans
Medicare Supplements (also called Medigap) work alongside Original Medicare to help cover out-of-pocket costs like deductibles, copays, and coinsurance, giving you more predictable healthcare expenses. You can see any provider nationwide who accepts Medicare, without network restrictions or referrals. Pairing a supplement with a standalone Medicare Part D plan also helps manage the cost of your medications and protects you from high pharmacy expenses throughout the year.
Health and Hospital Indemnity Plans
Health and hospital indemnity plans provide fixed cash benefits that are paid directly to you when you’re admitted to the hospital or receive covered medical services, helping offset deductibles, copays, and everyday expenses. These plans work alongside your major medical coverage and give you added financial protection during unexpected health events. Because benefits are paid to you, you have the flexibility to use the funds where you need them most.
Dental and Vision Plans
Dental and vision plans provide coverage for routine care like exams, cleanings and glasses, helping you maintain your overall health at every stage of life. These plans are available for individuals and families under 65 as well as those enrolled in Medicare who may want additional coverage not included in Original Medicare. With flexible options, you can choose a plan that helps keep both your health and budget on track
Small Employer Solutions .
Flexible, cost-effective and tax deductible health benefits are available for employers who no longer see the value in traditional major medical plans. Through defined contribution ICHRA solutions, you can offer meaningful benefits while maintaining control over your budget. Alongside the ICHRA, I offer the individual policies and enrollment support to your employees. If you have employees reaching retirement age, I provide complimentary education and support for pre-retirees so that they can transition smoothly and confidently into Medicare.
Accident Plans
Accident plans provide cash benefits when you experience a covered injury, helping pay for medical care, emergency treatment, or other unexpected expenses that can come with an accident. These plans work alongside your health insurance to help offset deductibles, copays, and out-of-pocket costs. Because the benefits are paid directly to you, the money can be used wherever you need it most during recovery
Final Expense Plans
A final expense policy provides financial relief to your loved ones by covering funeral, burial, and other end-of-life costs. These policies are typically easy to qualify for, with simplified underwriting and fixed premiums that won’t increase over time. Coverage can also be used for outstanding medical bills or small debts, giving your family added flexibility and protection.