| 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 Insurance

Underwritten by Companion Life Insurance Company, which has an “A+” (Superior) rating1 from AM Best for overall financial strength and ability to meet contractual obligations. Short-term medical insurance may be an appropriate solution for those looking for health insurance coverage during transitional periods in their lives, such as those who are unable to apply for Affordable Care Act (ACA) coverage because they missed Open Enrollment and don’t qualify for Special Enrollment, are waiting for their ACA coverage to start, are temporarily unemployed, or for recent graduates who aren't covered by their parents' plans. It could help fill that gap in coverage until a longer-term solution may be chosen. Short-term medical insurance typically includes coverage for hospitalization and professional health services after deductibles and coinsurance have been met and can help bridge the gap in coverage to protect against medical bills that arise from unexpected health changes or emergencies during a lapse in permanent coverage.

Short-Term Medical Insurance Disclosure

This coverage is not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act. Be sure to review the exclusions or limitations regarding coverage of preexisting conditions or health benefits. This plan has a pre-existing limitation provision that may prevent coverage from applying to medical conditions that existed prior to this plan effective date.

1 Ratings as of 12/09/2020, based on the opinion of AM Best, a widely recognized rating agency that rates insurance companies on their relative financial strength and ability to meet policyholder obligations (an A++ rating from A.M. Best is its highest rating).


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. Underwritten by Federal Insurance Company, a subsidiary of Chubb Limited, this plan is competitively priced and one of our top selling products.


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.


Vision

Vision benefits that include exams, prescription glasses, frames, lenses, contacts and more through one of the largest vision networks nationwide. Providers include ophthalmologists, optometrists, independent optical centers and national chain locations. This product is underwritten by Renaissance.


Term Life

Term life insurance provides coverage at a fixed rate of payments for a limited period of time, the relevant term. If the insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is typically the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time. Underwritten by LifeShield National Insurance Co.


Disability Insurance

Disability insurance can protect your income if you become temporarily or permanently unable to work, due to a sickness or accident. It can help pay your mortgage/rent, car payment, and daily living expenses. A great complement to other insurance products, this plan is available through American Financial Security Life Insurance Company.

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Insured Products

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Non-Insured Products