Health Insurance

Stay covered for routine checkups, preventive care, specialist visits, prescription medications, and emergency care. Through our various partners we offer a variety of plan options to meet your healthcare needs and budget, whether you’re looking for individual, family, or employer-sponsored coverage.

Key Features:

• Access to a wide network of doctors and specialists
• Affordable copays and deductibles
• Coverage for preventive care, prescriptions, and mental health services

Vision Plans

Protect your vision with comprehensive coverage for exams, lenses, frames, and contacts. Clear sight is essential for a healthy lifestyle, and vision plans make it affordable.

Key Features:

• Coverage for routine eye exams, glasses, and contact lenses
• Discounts on LASIK and corrective eye surgery
• Network of vision care providers

Accident Insurance

Life happens. Be prepared for the unexpected. Accident insurance provides cash benefits to help cover medical expenses, rehabilitation, and other costs after an injury.  Some covered injuries may include fractures, dislocations, severe burns, eye injuries, lacerations, concussions and ruptured discs.

Key Features:

• Lump-sum payments for accidental injuries paid directly to you
• Coverage for ER visits, hospital stays, and follow-up care
• Use cash benefits as you see fit — from medical bills to daily living expenses
• No waiting period for some products

Reasons to Consider Accident Insurance

• Unexpected Accidents: Accidents can happen anytime, anywhere — from slipping on wet floors to tripping on uneven sidewalks. Accident insurance provides financial support when you need it most.
• Childhood Injuries: Children are naturally curious and active, which can lead to unexpected falls, scrapes, or even broken bones. Accident insurance helps cover emergency room visits, x-rays, and follow-up care.

• Sports & Recreational Activities: If you or your loved ones participate in sports like basketball, soccer, or gymnastics, the risk of injury is higher. Accident insurance ensures you’re prepared for any mishap.

• Work-Related Injuries: Even if you’re not in a hazardous job, workplace injuries like slips, trips, and falls can occur. Accident insurance helps cover out-of-pocket medical expenses not covered by health insurance.

• Active Lifestyle: If you’re into hiking, biking, or other outdoor activities, accident insurance ensures you’re financially prepared for sprains, fractures, or unexpected injuries.

• High-Deductible Health Plans (HDHPs): If you have a health plan with a high deductible, accident insurance can bridge the gap by providing cash payments you can use for medical expenses.

Critical Illness Insurance

A serious illness can disrupt your life and finances. Critical illness insurance provides a lump-sum benefit when you’re diagnosed with a qualifying condition like heart attack, stroke, or cancer.

Key Features:

• Lump-sum payments upon diagnosis of covered illnesses
• Use funds for medical bills, travel, or household expenses
• Coverage for conditions like heart attack, stroke, organ transplant, and more

Reasons to Consider Critical Illness Insurance

• Family History of Serious Illness — If heart disease, stroke, cancer, or other critical illnesses run in your family, this coverage can provide crucial financial protection when you need it most.
• Rising Medical Costs — Even with health insurance, the costs of treatments, medications, and specialist visits for critical illnesses can add up. Critical illness insurance provides a cash benefit you can use as needed.
• Loss of Income During Recovery — A critical illness diagnosis may require extended time off work for treatment and recovery. This coverage offers financial support to help replace lost income.
• Unexpected Diagnoses — Heart attacks, strokes, and cancer diagnoses can happen to anyone, regardless of age or health history. Critical illness insurance ensures you’re financially prepared for the unexpected.
• High Out-of-Pocket Expenses — If you have a high-deductible health plan, critical illness insurance can help pay for expenses before your deductible is met.
• Support for Non-Medical Expenses — Treatment often comes with non-medical costs like travel for care, childcare, or household help. Critical illness insurance provides cash benefits you can use for any purpose.
• Peace of Mind — Knowing you have financial protection in place for life-altering diagnoses allows you to focus on your health and recovery instead of your finances.

Hospital Indemnity

Unexpected hospital stays can lead to costly bills. Hospital indemnity insurance pays a benefit to help ease the financial burden. Unlike traditional health insurance, this plan provides direct cash payments that you can use however you see fit — whether it’s for medical bills, rent, childcare, or everyday expenses.

• Cash Payments: Receive benefits when you’re hospitalized.
• Financial Flexibility: Use the funds for medical expenses, rent, utility bills, or personal needs.
• Supplemental Protection: Complements your existing health insurance by filling gaps in coverage.

Reasons to Consider Hospital Indemnity Insurance

• Chronic Health Condition:  If you manage a chronic illness, additional support can ease the financial burden of extended hospital stays.
• Family History of Serious Illness:  If serious illnesses run in your family, having extra coverage can offer peace of mind.
• Planned Procedure or Surgery:  Plan ahead for known medical procedures that may result in hospitalization.
• Looking for Additional Financial Assurance: If you’re looking for an extra layer of protection to handle the unexpected, hospital indemnity insurance offers reassurance.