PPO copay plans, $0-deductible plans, and lower-premium major-medical options for individuals and families — including pre-existing conditions and child-only coverage.
Doctor visits, specialists, urgent care — flat copay only. Annual physical, mammogram, and colonoscopy covered at 100%. Best for households that use healthcare regularly or want certainty.
Common for familiesThe carrier pays from dollar one for your annual covered care. Higher premium, but you never run into deductible math in March. Strong pick for chronic conditions or expected events.
For high-utilizersHigher deductible, lower monthly cost, $50 unlimited urgent care. Designed for healthy individuals and households who want to be protected against the worst without paying for routine usage.
For the healthyACA-compliant plans can't deny or rate up for any pre-existing condition. We routinely write coverage for clients managing diabetes, autoimmune disease, mental health, cancer history, and pregnancy.
Children can be enrolled on their own plan after a successful six-week check-up. Useful when the parents are on Medicare, on a non-dependent group plan, or in non-traditional custody arrangements.
Two healthy adults and one kid on chronic medication shouldn't all be on the same plan. We can structure coverage so each member is on the optimal architecture for their actual usage.
Standalone or bundled. Most plans cover two cleanings a year at 100% and discount major work. Vision covers a frame allowance and contact-lens fittings.
Pays a defined cash benefit when you're admitted, in the ER, or have a specific injury — direct to you, regardless of what your major medical pays.
Critical-illness lump sum payouts for heart attack, cancer, and stroke. Term life and indexed universal life policies for income replacement and estate planning.