Health Insurance

Medical insurance, or health insurance, pays for medical and surgical expenses incurred by the insured for accidental injuries, sickness, disease management, and associated examinations, lab work and tests. Plans that use a provider network, such as a PPO (Preferred Provider Organization), or HMO (Health Maintenance Organization), pay the provider directly. These plans may also be referred to as major medical plans. Not so common are Hospital Surgical insurance plans which pay fixed amounts for each claim, rather than a percentage. The main attraction is the lower price. They also have the option of reimbursing the insured for expenses incurred.

Insurance companies offer many different plans, depending on the state you live in. For example, in North Carolina, where we are based, you can choose from over 25 different policies with different price points, or monthly premiums. Whether you are single or have one or more family members, you may qualify for a subsidy from the federal government, which reduces your monthly premium paid to the insurance company. Depending on your household income, as determined as a percent of the Federal Poverty Level (FPL), you may qualify for lower doctor visit copays and/or deductibles. These plans conform to the Affordable Care Act (“ACA plans”), informally referred to as Obamacare.

Whether you need an individual health insurance plan or are shopping for a group health insurance plan, please contact us. We’ll help you compare health insurance plans and offer well-researched suggestions that best fit your needs and bottom line.

Dental Insurance

Most people don’t know that the first signs of health issues in the body show up in one’s mouth (one medical description of this is your “oral pathology”). Dental insurance can be a cost-effective way to pay for a large part of your dental care. We offer both individual and group dental plans for companies.