Insurance Guide

To assist you with your insurance needs we have developed this guide to take you through the steps to customizing and securing your insurance needs. The insurance is available to you or your staff as individuals or through your group sponsored plan. While we do not offer individual health insurance, we can help you navigate through the options.

HEALTH INSURANCE

CONSIDER THESE FACTS:

You are building an insurance solution based on Individual Major Medical Insurance not a Group Plan. This ensures that you can select the coverage that is best for you with coverage that you can maintain and comply with the Affordable Healthcare Act.

For the associates that are Health Licensed you have the option to write your policy and collect the commission. Use the search engine below to find the policy that fits your needs and then contact them directly for an appointment.

For the associates that have health issues and are looking for major medical coverage and have been turned down, we have some good news. All group policies are now guaranteed issue with no mark-ups of premium for preexisting conditions. You can only enroll in the Affordable Health Care Act during the annual open enrollment period from November 15th to January 15th unless you have a special situation detailed on the search engine. You can also explore government credits if your or your staff members’ income qualifies.

Consider combining policies to create the best coverage for you and your family. Using a HSA (Health Savings Plan) to reduce premiums combined with our Group Limited Liability Policy for reduced out of pocket expense.

Steps to getting the insurance you need:

Health Insurance

• Use Get a Quote from the major medical search engine to review all the options available to you in your geographic area by A rate companies or better. A toll-free number on the search engine site will let ask questions on individual policies.
• If you find a policy that you would like to apply for, you can either apply on-line or contact the carrier to get appointed if licensed.

Benefit Link Group Policies: 

Group Long Term Disability based on all gross income

Group Short Term Disability created primarily for Staff Members

Group Life Insurance -Associate, Spouse and children are eligible to participate

Cigna Plus Savings Plan-family dental discount plan and more