Individual and family health insurance provides medical coverage for you and your loved ones. These plans help cover the cost of doctor visits, hospital stays, prescriptions, preventive care, and more. Policies can be tailored to fit your needs and budget, ensuring access to healthcare when you need it most.

Common Types of Individual & Family Plans:

Marketplace/ACA Plans – Comprehensive coverage that meets Affordable Care Act standards, often with subsidies available.

Short-Term Health Plans – Temporary coverage for gaps in insurance, like between jobs or during life transitions.

Private Health Plans – Flexible options purchased directly from insurers, sometimes offering broader networks or benefits.

Group health insurance allows employers to provide affordable health benefits to their employees, often at lower rates than individual coverage. These plans improve employee well-being, loyalty, and retention, while giving businesses a competitive edge.

Common Options in Group Plans:

Employer-Sponsored Medical Coverage – Shared-cost plans that cover employees and often extend to their families.

Health Savings Accounts (HSAs) & Flexible Spending Accounts (FSAs) – Pre-tax savings for medical expenses.

Supplemental Benefits – Extras like life, disability, and accident coverage that can be bundled with core health plans.

Medicare helps those age 65+ or with certain disabilities, but it doesn’t cover everything. Supplemental plans (Medigap), Medicare Advantage (Part C), and Prescription Drug Coverage (Part D) help fill the gaps.

Types of Medicare Plans:

Medicare Supplement (Medigap) – Covers deductibles, copayments, and coinsurance not included in Original Medicare.

Medicare Advantage Plans (Part C) – All-in-one coverage that combines hospital, medical, and often prescription benefits.

Medicare Prescription Coverage (Part D) – Standalone plans that help pay for necessary medications.

Health coverage goes beyond medical insurance — dental, vision, and disability benefits play an important role in overall wellness and financial protection.

Coverage Options Include:

Dental Insurance – Preventive care, cleanings, fillings, and major dental work such as crowns or root canals.

Vision Insurance – Eye exams, glasses, contacts, and discounts on corrective procedures.

Disability Insurance – Replaces part of your income if you become unable to work due to illness or injury.

Sometimes the unexpected happens, and medical insurance alone isn’t enough. Long-term care and critical illness coverage help protect you and your family from the financial strain of extended or serious health needs.

Coverage Options Include:

Long-Term Care Insurance – Helps pay for assisted living, nursing homes, or in-home care when daily activities become difficult.

Critical Illness Insurance – Provides a lump-sum payment if you’re diagnosed with a major illness like cancer, heart attack, or stroke, giving you financial flexibility during treatment.