Let's Talk Health Insurance
When it comes to health insurance, you have options.
ACA Health Insurance
ACA plans, also known as Marketplace plans or Obamacare, are offered through the Health Insurance Marketplace, established under the Affordable Care Act (ACA).
These plans provide comprehensive health coverage—including essential benefits like doctor visits, prescriptions, hospital stays, and more—with no exclusions for pre-existing conditions.
They are available to individuals and families who meet certain income and eligibility requirements and may qualify for subsidies or premium tax credits to help lower monthly costs.
For those who don’t qualify for financial assistance, there are also off-market plans available that offer similar coverage without needing to meet income guidelines.
💻 Prefer to shop on your own? An online quote and enrollment option is available for self-service convenience.
Private Health Insurance
Private Health Insurance plans offered by insurance companies directly to individuals. These plans vary in coverage and cost. Private plans may offer a variety of benefits and addional services that can be customized based on indivual preferences. Private plans are generally for more healthier individuals because of underwriting and a waiting period for pre-existing medical conditions, if accepted. These plans can deny you for certain medical conditions.
Short Term Medical Insurance
Short Term medical insurance plans are designed to provide temporary coverage for individuals who are transitioning between different health insurance plans or experiencing a gap in coverage. These plans usually offer limited benefits and may have restricitions on pre-existing conditions and coverage duration.
Critical Illness
Provides a lump-sum payment upon diagnosis of a specified critical illness, such as cancer, heart attack, or stroke.
Disability
Provides income replacement if the policyholder is unable to work due to a disability. This can be short-term or long-term coverage
Long Term Care
Covers services related to long-term care, such as in-home care, assisted living, and nursing home care, for individuals who need assistance with daily activities over an extended period.
Indemnity Plans
Flexible, cash-benefit coverage that pays you directly, so you can use the money your way for unexpected medical events like accidents, hospital stays, or critical illnesses. A smart layer of protection for life’s “just in case” moments.
Hospital indemnity plans help cover out of pocket costs like deductibles, copays, or everyday expenses. A simple, affordable way to add extra protection when you need it most. Have questions? Let’s Talk
Traveler's Insurance
Protect your trip and travel with confidence knowing you’re covered for unexpected medical emergencies, hospital stays, and medical evacuation abroad, plus protection for trip cancellations, delays, and lost luggage. Comprehensive coverage for domestic trips, international travel, and expat living.
Dental
Choose the dental plan that fits your smile and your budget—HMO, PPO, Discount Plans, and Dental Indemnity options available. Dental Insurance covers preventive care (such as cleanings and exams), basic procedures (fillings), and major procedures (crowns and root canals). Your dental health matters.
Vision
Affordable Vision Plans. Coverage for eye exams, glasses, contacts, and more because protecting your vision is part of protecting your health.
Need just glasses? Prescription eyeglass-only plans are available too.
FAQ
What’s the difference between Marketplace (ACA) health plans and private health plans?
Marketplace plans (also known as Obamacare) may offer subsidies based on income, while private plans are typically purchased off the exchange without income requirements. Both offer comprehensive coverage but may differ in provider networks and premium costs.
Do health plans cover pre-existing conditions?
Yes. ACA-compliant health insurance plans cover pre-existing conditions without denial or increased rates based on your health history.
What’s the difference between HMO and PPO dental plans?
HMO dental plans require you to choose a primary dentist and get referrals, while PPO plans offer more flexibility to see any dentist—even out-of-network—often with higher premiums.
Can I get dental insurance that covers major services like crowns or dentures?
Yes. Many dental plans include coverage for major services like crowns, dentures, and root canals, though waiting periods may apply depending on the plan.
Can I bundle dental and vision insurance together?
Yes, many carriers offer bundled dental and vision plans for convenience and savings. It’s a great option if you want complete routine care coverage in one package.
What does travel insurance typically cover?
Travel insurance can include trip cancellation, medical emergencies, lost baggage, delays, and emergency medical evacuation—especially important for international travel.
Is travel insurance available for expats or long-term travelers?
Yes! There are travel and global health plans designed specifically for expats and extended stays, offering ongoing medical coverage while living abroad..
What’s included in a vision insurance plan?
Vision plans typically cover annual eye exams, glasses, contact lenses, and discounts on lens enhancements like anti-glare or transition lenses. Eyeglass-only plans are also available if you don’t need exams.
What is an indemnity plan and how does it work?
Indemnity plans pay cash directly to you when a covered event happens—like a hospital stay, accident, or critical illness—so you can use the money for medical bills or everyday expenses. It’s a great add-on for extra protection.
How do I know which type of insurance plan is right for me?
That’s where I come in! I offer personalized, professional advising to help you choose coverage that fits your needs, lifestyle, and budget—whether you’re an individual, family, or small business owner
Let’s Find the Right Health Plan for You
Personalized coverage. Expert guidance. Peace of mind starts here. Request your free quote or book a virtual consultation—your health deserves the right protection
Let's Talk More Ways To Protect What Matters
From preventive care add ons and wellness discount programs to pet insurance for your furry family, these extra benefits are available to you. Have questions? Schedule your advising.
When it comes to health insurance, you’ve got options! As your trusted broker, I’m here to help you find coverage that fits both your needs and your budget.