Individual Health & Other

Individual Health
Many health insurance companies such as Anthem, Aetna, Optima, and Southern Health offer individual health insurance plans. Our agents can help you find the plan that best meets your needs.

Individual health insurance can provide a cushion from illness and the rising cost of medical care and treatment. Most plans have a deductible (a specific dollar amount of the covered service you will pay), coinsurance (a percentage of the allowable charge for a service that is split between you and the insurance company), and out-of-pocket maximum (the total amount you are responsible for paying for covered services in a given calendar year or plan year).

The affordability of health insurance is determined by several factors such as the current age and health of the applicants, the type of health plan selected, and the geographical area in which you reside.

Individual Dental
Individual dental insurance can provide coverage for routine dental care as well as more complex dental needs.  There are several available carriers that offer competitive rates and benefits for individual dental insurance coverage.

Life
Life insurance provides protection for your family and/or your business in the event of your premature death.   The two major types of life insurance are Term and Whole Life (or Permanent).   Term insurance generally provides protection for a specific period of time.  Whole Life insurance provides protection permanently.

Disability Income
Physicians and other healthcare professionals earn their income in a variety of ways and have unique disability insurance needs.  The income protection needs of physicians, physician assistants, and staff are very different and requires special products that can be customized to meet these needs.

Without disability insurance protection, a serious illness or unexpected injury could jeopardize your financial future. The level of comfort this protection can provide you and your loved ones during a period of disability is second to none. We partner with a number of companies that understand the unique needs of physicians and other healthcare professionals. Let us help you find a company that is the best fit for your needs.