Consultants - Employee and Executive Benefits - Administrators
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Individual Insurance Plans
If you are eligible for a subsidy then the Marketplace, also called the Exchange. is where you should enroll for coverage. The plans on the Marketplace vary by state and are not necessarily the same plans available from the carriers directly. We have Federally Facilitated Marketplace (FFM) certified brokers who are familiar with the Marketplace website and the plans available, and are able to help you enroll in the plan that best meets your needs.
If you are not eligible for a subsidy, or you do not want to register on the Marketplace for coverage, then you will need to enroll in a plan directly with a carrier. Our brokers are appointed with a wide range of carriers and the plans they offer. They can help you choose a plan that best meets your needs and then enroll you in that plan. See our list of carriers here.
If you have questions regarding how Medicare works, Medicare eligibility, plans that are available, or how to enroll, we have certified brokers who are licensed and appointed with many carriers who offer Medicare plans. They are available to help you understand Medicare, choose the right plan for your needs, and enroll you in that plan. Whether you are looking for a Medicare Advantage Plan, a Medicare Supplement plan or a Prescription Drug Plan (PDP), they can explain the plan, verify your doctor's participation, verify your drug coverage, and enroll you.
While group life insurance is available to many, it may not be there for everyone. If you are one of the top earners in a company, it may not cover your earnings adequately. We can help. Our carriers have a variety of individual plans that offer many options including individual term life and disability, key man, officers and directors, errors and omissions.
No one likes to think about getting old or what would happen if they, or someone they love, ended up in a long term care facility. Now is the time to think about this and take action. In a recent survey, the cost of healthcare was the top concern for retirement planning. Talk to us, we can help.