Affordable Care Act (ACA)
ACA aims to make health insurance accessible through subsidies (if eligible) and protections for pre-existing conditions ensuring comprehensive coverage.
Provides various health coverage options for consumers under age 65. Depending on your income or circumstance, you could qualify for Subsidies/Cost-Sharing Reductions in your health plan. Plans are categorized based on out of pocket/cost-sharing cost (Bronze, Silver, Gold, and Platinum). ACA aims to make health insurance accessible through subsidies (if eligible) and protections for pre-existing conditions ensuring comprehensive coverage.
Short Term Health plans
Provides temporary protection for a period of time.
Plans offer a considerable amount of consumer choice when it comes to broader coverage areas and generally more options to choose from. Ideal for those between jobs or waiting for other coverage to begin, or outside the open enrollment period for ACA-compliant plans.
Accident insurance
Accident insurance provides a cash payout for covered injuries if due to an accident. Funds can be used however you’d like. On average, 80% of claims are related to accidents.
Hospital indemnity
Hospital indemnity plans offer a range of benefits that enhance your overall financial protection. They help cover out-of-pocket expenses and generally compliment your main health plan.
Group Insurance
Self Employed, mid-range to large group benefits.
It can be a cost-effective way to provide valuable benefits It also enhances employee retention and satisfaction, making the company more competitive in attracting and keeping top talent. MANY options available for those who are self-employed, small or large business.
Dental/Vision
Group, Individuals/Family and Child Only
These plans help reduce the financial burden of maintaining good health, encouraging preventive care and timely treatment. Dental insurance focuses on maintaining oral health and treating dental issues, while vision insurance ensures regular eye exams and affordable corrective eyewear.
Disability
Long and Short term Options. Protect your income if you cannot do your trade
Pays a portion of your income if you’re unable to work due to injury or sickness, ensuring you can meet your financial obligations like mortgage/rent, bills, daily living expenses etc.
Critical Illness_Cancer
Provides a financial safety net if you are diagnosed with a serious medical condition such as cancer, heart attack, or stroke. These policies pay a lump-sum benefit directly to you, which can be used for any expenses, including medical bills, out-of-pocket treatments, mortgage payments, or daily living costs.
There are MANY MORE ancillary products out there as well!
Rayanne Tandrian 