Innovative Health Insurance Products to Address the Spiraling Cost of Health Care

Insured Products

Our extensive menu of insured products can help you bridge gaps in coverage and enhance any existing benefits in which you may already be enrolled. We partner with best-in-class carriers in the insurance industry to offer supplemental benefits that provide flexibility to meet your needs and budget. These insured benefits are complemented with an assortment of non-insured programs such as patient advocacy services to help you save on out-of-pocket expenses.

Short-Term Medical

Underwritten by Companion Life Insurance Company, which has an A+ (Superior) rating for overall financial strength and ability to meet contractual obligations with A.M. Best. These plans are perfect for those who are temporarily unemployed, missed open enrollment, or for recent graduates who aren't covered by their parents' plans. Short-term medical covers hospitalization and professional health services after deductibles have been met. Though not compliant with the Affordable Care Act, short-term medical will provide you with peace of mind, knowing that you are covered if the unexpected happens.

Limited Medical

Limited medical insurance offers affordable benefits designed for individuals and families who need basic, routine wellness coverage or expanded coverage to help address day-to-day health care expenses. A limited medical plan can help fill the gaps or holes of an existing high-deductible health plan.Our limited medical plans offer a variety of benefits from several leading carriers including American Financial Insurance Company, Standard Life and Accident Insurance Company, and Unified Life.

Accident & Sickness

Even with a comprehensive medical benefit package, you may still be responsible for deductibles, copays and other out-of-pocket expenses. Accident and sickness insurance provides cash benefits to help cover basic and minor medical expenses incurred from a hospital stay due to an accident or illness.

Accident Expense

Accidents happen. When they do, you may not be prepared for the unexpected medical expenses not covered by your major medical plan. Accident Only insurance, underwritten by Guarantee Trust Life Insurance Company,  helps cover these expenses after meeting the deductible. Coverage also includes a one-time, fixed benefit in the event of accidental death or dismemberment resulting from an accident.

Cancer, Heart Attack, and Stroke

A cancer, heart attack, and stroke plan are perfect if you are less concerned about day-to-day, minor medical expenses, but seek protection for out-of-pocket costs against a major illness. Cancer, heart attack, and stroke insurance provides a set-level of catastrophic coverage to help offset the high costs incurred if you, your spouse or your dependent child develops covered cancer, heart attack, and stroke. This product is underwritten by Guarantee Trust Life Insurance Company.

Accidental Death & Dismemberment

If you die or suffer life-changing injuries in an accident, the financial repercussions can be devastating to your family. Accident Death & Dismemberment insurance provided your family with a measure of financial security, paying a, typically, tax-free cash benefit to you or your beneficiaries if you die or lose a limb or vital body function such as speech or hearing as the result of an accident. This product is underwritten by Guarantee Trust Life Insurance Company.

Prescription Drug

This insurance offers a generic-only or a generic/preferred-brand plan levels with co-pay benefits. This product is offered in states where it is approved.  Your prescription fills and refills are processed in real-time at the point-of-purchase at over 56,000 pharmacies nationwide. This product is underwritten by Envision Insurance Company.

Dental Insurance

Dental insurance helps you save on basic, preventative, major, and restorative services including: routine cleanings, exams, X-Rays, Root Canals, Denture/Bridge Repairs, Crown Build Up, Extractions, Fillings, Oral Surgery, Periodontics (gums), Anesthesia, and Prosthetics. Some plans include child and adult orthodontia benefits. Our dental plans are available from several carriers including Nationwide, Renaissance and United Concordia.

For Agent Use Only.