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INDIVIDUAL & FAMILY
For the self-employed or those without work-provided health insurance, ACA (Affordable Care Act) individual health insurance provides coverage at various price points. Individual plans may also be needed if your employer does not offer an affordable option of if you live outside the plan service area.
Covered California provides Individual & Family plans. You may qualify for premium assistance based on income. Covered California Small Business (CCSB) provides flexible Employee Benefit options for employers. As your Certified Covered California Agent, I will set up your online account and process your enrollment.
Find out more about Original Medicare, Medicare Supplement, Part C Medicare Advantage, and Part D Prescription Drug Plans. Whether you are going on Medicare for the first time or still working past 65, make sure you are enrolling at the right time to avoid penalties.
Employee Benefits programs include Medical, Dental, Vision, and other types of coverage. A successful benefits program includes a suite of products and services that makes it easy to manage Payroll, HR, Benefits Administration, COBRA, and Compliance. From Start-ups to established employers, there is a package that works for you.
Level-funded plans takes Employee Benefits to the next level by customizing benefits and features in your health insurance program. Select the deductible, coinsurance, provider networks and more to maximize coverage while controlling your budget. Minimum group size may determine if your business is a good fit.
Many employees leaving their jobs are surprised by the actual cost of COBRA coverage. If the cost of continuing COBRA is too high, it pays to find alternate coverage. Depending on age, Individual and Family Plans can offer great alternatives. For those that are 65 or older, it may be the right time to consider Medicare.
Individual Coverage Health Reimbursement Arrangements (ICHRA) enables employers to pay for employees enrolled in IFP and Medicare plans on a pre-tax basis. Unlike health insurance purchased as part of Employee Benefits, individual plans are paid with post-tax funds. ICHRA funds may be used to pay for individual Medicare costs.
Group Medicare Advantage is a type of employer sponsored Medicare plan that can be offered to employees who are retiring. These plans reduce the gaps in coverage associated with Original Medicare and help retirees retain the same or a similar level of coverage they enjoyed before retiring.
Pet insurance can cover the costs of treating your pet's illness or injury. It helps to relieve some of the financial burden that comes with caring for your pet. Coverage may be purchased individually or employers may offer pet insurance as part of voluntary benefits.
International travel needs additional coverage not provided by regular health insurance and Medicare. Travel Medical & International Health Insurance provides comprehensive coverage with convenient access to doctors and hospitals. Click to get more information. (New browser tab will open.)
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