Health
  • The Affordable Care Act (ACA), what is sometimes called Obamacare, is designed to make guaranteed issue health insurance plans available to everyone. These plans cover preexisting conditions along with a list of essential health benefits that don't change from plan to plan.
  • Individual Insurance is a health policy that you can purchase for just yourself or for your family. Individual policies are also called personal health plans.
  • Dental insurance, sometimes called a dental plan, is a form of health insurance designed to pay a portion of the costs associated with dental care. There are several different types of individual, family, or group dental insurance plans grouped into three primary categories: Indemnity, Preferred Provider Network (PPO), and Dental Health Managed Organizations (DHMO).
  • The term "vision insurance" is commonly used to describe health and wellness plans designed to reduce your costs for routine preventive eye care (eye exams) and prescription eyewear (eyeglasses and contact lenses). Some vision plans also offer discounts on elective vision correction surgery, such as LASIK and PRK
  • In the United States, short-term health insurance or short-term, limited-duration insurance refers to health insurance plans with a limited duration, typically several months to a year. These plans were initially geared toward people who need temporary medical insurance to bridge the gap between longer term plans.
  • Most travel insurance plans cover medical emergencies, trip cancellation, trip interruption, delays, medical evacuation and lost, damaged or stolen luggage.  Depending on what plan you purchase, when you buy it, travel insurance can also cover rental/recreational vehicle damage, pre-existing conditions and trip cancellation for any reason.
Employee Benefits 
  • Group health insurance plans offer medical coverage to members of an organization or employees of a company. They may also provide supplemental health plans—such as dental, vision, and pharmacy—separately or as a bundle. Risk is spread across the insured population, which allows the insurer to charge low premiums.
Supplemental Health Insurance 
  • These policies may provide a lump-sum cash benefit to help you pay for additional costs that are related to your illness but not covered by your regular health plan or disability coverage. The money can then be used to pay for various expenses, including Deductibles. Out-of-network specialists.  Some familiar carriers are AFLAC, Colonial, Unum, etc.