Make sure your health coverage covers you when you need it.

 Help for when you turn 26, lose employer coverage, become self-employed, or retire before age 65.

 Health insurance is a vital part of ensuring the health of you and your family. It allows you to have regular check-ups with a doctor, which can help catch problems early. It provides access to emergency care in life-threatening situations.  Most importantly it helps you handle unexpected medical expenses that are beyond your means to cover. 

 Individual health insurance and ACA plans is coverage that you purchase on your own, on an individual or family basis, as opposed to obtaining through an employer or from a government-run program like Medicare, Medicaid, or CHIP. 

  You’ll need to decide between a PPO, EPO or an HMO plan. You’ll also need to choose a metal tier level for the plan which determines the percentage of your medical expenses that will be covered. In addition, if you or a family member have specific health needs, we need to be sure to find you a plan that will cover those needs. 

Depending on income, you could even qualify for a low to no cost plan in your area.

Dental, vision and hearing plans are plans that are separate from your health insurance and will typically cover you for most, if not all, of your dental, vision and/or hearing needs.

Dental insurance typically covers preventive cleanings and X-rays, basic fillings, and often times procedures such as crowns, partial dentures, or full dentures. Cleanings remove stains from your teeth to keep your smiles shiny and white.  Removal of plaque prevents your gum lines from receding and heads off gum disease and the development of cavities. Early detection of cavities allow fillings which prevent further decay of your teeth. Some coverages even cover implants for missing teeth. Good dental hygiene is important to your health and appearance.

 Being able to see is an essential ability in functioning in day-to-day life.  The pleasure that sight brings us in viewing the people, objects and places of our life is easy to forget and taking care of your vision is essential. Vision insurance typically covers annual eye exams that are important to expose other health related conditions. Tests for cataracts and glaucoma can let your doctor find disease while it can be managed. Prescriptions for glasses and contacts should be kept up to date for your best eye health.