Health Insurance Products
When it comes to health insurance, there are many different options available depending on your personal needs, budget, and stage of life. As an independent insurance agency located in Huntington Beach, CA, with over 20 years of experience, we will work with you to determine the right health insurance products for you and your family.
Health Insurance for Medicare Eligibles
If you are over 65 and eligible for Medicare, we will provide you with information on the many different products you can choose from. We will help you enroll in Original Medicare Part A and Part B and then determine which other Medicare products are right for you. This includes Medicare Advantage, Medicare Supplement, and Part D prescription drug plans. We will also evaluate the need for ancillary products that can help fill some gaps in Medicare coverage. For example, Hospital Indemnity plans that can help with the out-of-pocket and other costs associated with an inpatient hospital visit or cancer or other critical illness plans if that is a concern for you.
Health Insurance for Individuals and Families
For those under 65 who do not have health insurance provided by an employer, we can help you find the right coverage for you and your family while staying within your budget. We can help you enroll in a health plan through the insurance marketplace and determine if you are eligible for any premium subsidies based on your income. There are many different options and levels of coverage available, and we work with all the major insurance carriers in the area to find the plan that is right for you.
Supplemental Insurance
In addition to your core health insurance plan, it is essential to evaluate whether you will need additional coverage. We have plans available that can provide coverage for the following and many more:
- Cancer/Critical Illness
- Accident Plans
- Hospital Indemnity
- Dental
- Vision
- Short Term Disability
These supplemental plans are designed to enhance the benefits provided by your core health insurance and provide coverage for situations that those plans may not cover. For example, a short-term disability plan offers income replacement so you can focus on getting healthy and don’t have to worry about your day-to-day expenses until you get back to work. Plans like accident, hospital indemnity, cancer, or critical illness help pay for things your health insurance plan might not cover. These plans typically pay a cash benefit directly to you and can be used for whatever you choose.
No matter your situation or budget, we will build a comprehensive health care benefits package to address your needs when you work with our agency.
An Introduction to Medicare Benefits
Will you be turning 65 soon, and become eligible for Medicare benefits? Would you like to know how it works, and what your options are to get the most benefits for the least expense? Then watch this short video to quickly understand how Medicare works and the options you have.
Supplemental Insurance
Making good healthcare coverage even better. If you have good healthcare insurance, watch this short video to learn how you can make it even better.
Save Up to 40% on Health Care Insurance
If you take good care of your health, and only want insurance to pay for major medical expenses due to an unavoidable injury accident or critical illness, watch this short video to learn how you can save up to 40% on healthcare insurance every year.
