Health insurance covers western medicine treatments and procedures, it does not cover other modalities of care. Consider the treatment options you want before buying medical coverage.
- What is the risk you want to protect
- Will you get the care you want for your money
How often do you go to a Medical Doctor in a year?
Individual & Family Plans
We broker popular carriers like United Health Care, UCare, Blue Cross Blue Shield, Humana, Medica, Aetna CVS Health, Cigna, HealthPartners and Dental/Vision plans.
Health insurance exchanges offer premium tax credits for your state. Otherwise you can enroll off-exchange without providing proof of income. We can show you all your options on and off the exchange.
Do you have a SPECIAL ENROLLMENT event?
Health Plan Exchanges
Shop the USA HealthSherpa
Shop MNSure for APTC (Assister ID 5503492)
If you don’t qualify for income adjusted health insurance premium, then check out the carriers below for a quote.
Blue Cross Blue Shield paper application. off-exchange
Health Insurance Rating Review Link.
Group & Employer Plans
We specialize in small groups of one, two or more up to 50. Our self-employed plans are perfect for real estate agents, insurance brokers, attorneys, CPAs, consultants, truck drivers and any other 1099 income work.
Employers having under 50 employees have more affordable options than traditional insurance plans offer.
To get started contact us for a phone call, zoom or in person meeting is best. Costs nothing to review your current situation against the changing times and options in health coverage strategies. Good health care creates good harmony.
Travel Insurance, Hospital Indemnity, Critical Illness.
United Health Care, Aetna and Medica offer extra some protection to your pocketbook and give you piece of mind with these supplemental policies. How can they be used in your strategy?
Health Matching Account for Home Health Services and other Qualified Medical Expenses.
Ages 55 to 65 Pay the Most for Health Care.
This is why most older adults keep working just for the employer health plan, especially if you have a Cadillac plan and are not used to paying a high deductible before insurance shares the cost…. We think you should Pay for what you use and exercise more, avoid the whole illness and disease thing with fun actives you enjoy. Really!
Helping you Bridge the GAP to Medicare
Retiring before 65, younger spouse, loss of benefits? We can help you keep more of your money and still get health coverage.
Health Insurance Terms
Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
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- HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn’t in the HMO’s network, you may have to pay the full cost of the services provided.
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- HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.
Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)
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- These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
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- If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.
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- Catastrophic plans usually do not provide coverage for services like prescription drugs or shots.
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- Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.
Catastrophic Health Insurance Plan
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- A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of “safety net” coverage in case you have an accident or serious illness.
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- Catastrophic plans usually do not provide coverage for services like prescription drugs or shots.
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- Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.
High Deductible Health Plan (HDHP)
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- High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans.
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- If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.