QUOTE CENTER
We offer traditional health insurance for individuals and families, as well as small businessess, self-employed sole props, and contrators. We also help individuals, employees, seniors and their families augment their health insurance and create a financial safety net for unforeseen health issues and/or a tragedy with voluntary and supplemental insurance coverage, which can be purchased any time of the year. Supplemental and voluntary policies are very affordable and pay valuable benefits in addition to your regular health insurance benefits.
Click the links below to get instant quotes and purchase policies online. When the quote box opens, each product indicates if it is for individual or groups, etc. As your broker, we are available to support and assist with claims, billing and benefit issues that may arise throughout the year.
Health Insurance
Health Insurance
INSTANT QUOTES BY CARRIER (see enrollment information below)
Note – If you qualify for a tax subsidy, the carrier will direct you to Access Health CT to secure your subsidy.
TYPES OF PLANS AVAILABLE
Health Maintenance Organization or HMO
An HMO offers lower premiums and a significant savings on routine and preventative healthcare. However, this type of health plan requires you to appoint a primary care physician and to use doctors and facilities that are affiliated with the HMO. Thus, if you use healthcare service providers outside of the HMO, there is a good chance those charges won’t be covered by your policy. But, the great thing about an HMO is that the only charges you incur, outside of your premiums, are co-pays for doctor’s visits and other services such as procedures and prescriptions.
A Preferred Provider Organization or PPO
A PPO will save you money on services if you use the preferred providers within the network. Keep in mind that deductibles must be met on this plan before some services will be covered. The good thing about a PPO is they generally will allow a certain amount of services annually outside of the deductible with a small co-pay, and most often the PPO has a large network with quality care providers and excellent prescription drug coverage.
Important Enrollment Information
NOV 1 – DEC 15
Per the Affordable Care Act, you must purchase health insurance during the annual open enrollment period. Failure to do so may result in penalties and having to wait until the next open enrollment.
Cost-Sharing Health Plans
Medi-Share Plans
Groups & Sole Props
For Groups & Sole Props
TYPES OF PLANS AVAILABLE
Health Maintenance Organization or HMO
An HMO offers lower premiums and a significant savings on routine and preventative healthcare. However, this type of health plan requires you to appoint a primary care physician and to use doctors and facilities that are affiliated with the HMO. Thus, if you use healthcare service providers outside of the HMO, there is a good chance those charges won’t be covered by your policy. But, the great thing about an HMO is that the only charges you incur, outside of your premiums, are co-pays for doctor’s visits and other services such as procedures and prescriptions.
A Preferred Provider Organization or PPO
A PPO will save you money on services if you use the preferred providers within the network. Keep in mind that deductibles must be met on this plan before some services will be covered. The good thing about a PPO is they generally will allow a certain amount of services annually outside of the deductible with a small co-pay, and most often the PPO has a large network with quality care providers and excellent prescription drug coverage.
A Health Savings Account or HSA
Many small group health plans benefit by having a Health Savings Account (HSA) feature that combines a high deductible/lower premium health insurance plan (PPO) with a savings account. Both employer and employee can contribute, tax-free to the savings account, which can help fund the deductible and other qualified medical expenses. Then, the insurance will begin paying claims, once the deductible is satisfied.
MEC Health Plans
MEC Health Plans
WHAT ARE MEC PLANS?
MEC plans generally cover preventive and wellness-related services and screenings, as well as treatments. They do meet certain requirements outlined under the Affordable Care Act (ACA), however, they are not considered traditional major medical coverage plans. MEC99 Plus adds additional wellness and financial protection benefits to the plan.
Limited Medical Coverage
Limited Medical Coverage
WHAT IS LIMITED MEDICAL COVERAGE?
These health plans help with basic, minor-medical expenses and is a fixed indemnity medical plan which provides limited coverage for accidents, illness, and specified disease to help cover basic, minor-medical expenses. It also provides fixed indemnity payments for hospital confinement to help cover a portion of inpatient expenses.
Travel Medical
Travel Health Insurance
Medical travel insurance is typically very affordable and provides valuable medical coverage when traveling in the US or abroad, much like a regular health insurance policy. Most often these types of policies will cover care and services that are not typically covered by your regular health policy or Medicare.
GET QUOTE AND LEARN MORE
Dental & Vision Plans
Dental & Vision Plans
FOR INDIVIDUALS, SMALL GROUPS, SOLE PROPS, CONTRACTORS & SELF-EMPLOYES:
Important – ACCESS CODE NEEDED! For Dental and Vision Plans below, use our access code JCCT7418 for special pricing:
TYPES OF PLANS AVAILABLE
Individual and family dental & vision plans or policies are relatively inexpensive and can be purchased any time of the year. Studies have shown that having access to dental and vision care promotes overall well-being. Regular dental and vision exams optimize eye and oral health, and can also detect serious underlying medical conditions. Some studies have even shown that people who have dental and vision insurance suffer less from depression, than those who do not have coverage.
Save 10% to 60% on dental care services with no caps and no waiting periods. Plus take advantage of additional savings available on Telemedicine, Vision, Rx and more! Plans can range from a PPO or HMO to Pre-Paid, Fee-for-Service, and Discount on a variety of diagnostic and preventative care services including:
| -Cleanings | -Exams |
| -X-Rays | -Filling |
| -Orthodontia | -Glasses, Contacts |
| -Lasik | -Emergency Care while traveling |
Accident Plans
Accident Insurance
WHAT IS ACCIDENT INSURANCE?
Accidents can happen anytime and bring unexpected costs not fully covered by medical insurance. Supplemental Accident Insurance is very affordable and complements your major medical policy, in the case of an accidental injury.
Accident insurance helps to protect you from financial hardship due to a great deal of medical and out-of-pocket expenses that follow accidental injuries. Emergency treatment, hospital stays, medical exams, transportation and lodging needs are just a few of the expenses that accident insurance can help cover. Some policies can even pay benefits in as little as one day, based on time of claim submission.
Critical Illness Plans
Critical Illness Plans
WHAT IS CRITICAL ILLNESS COVERAGE?
Surviving cancer and other critical illness is becoming increasingly common with the advances in modern medical technology. Critical Illness Insurance can help reduce the personal financial impact of the cost of fighting these illnesses or keeping up with everyday bills through that process. If you have a health insurance plan and/or disability insurance, Critical Illness Insurance will provide benefits in addition to your other coverage.
Some key features:
- Lump-sum cash benefit paid directly to you.
- You decide how best to spend your payment.
- No network restrictions.
- Benefit level choices to fit your needs and budget.
- Simple plan options for your needs and budget.
The benefits and riders offered are supplemental and are not intended to cover all medical expenses. Certain terms, exclusions and limitations may apply.
Gap Health Plans
Gap Health Plans
WHAT IS GAP HEALTH INSURANCE?
Gap insurance provides benefits that supplement a low premium, high deductible major medical health plan. It works by paying a significant amount of the deductible. More specifically, the additional benefits help to cover out-of-pocket expenses related to coinsurance, co-pays and deductibles for inpatient and outpatient services. For example, if you have a $5,000 deductible on your major medical plan, gap coverage could pay up to $4,000 of that deductible. You may find you save more money with a low premium high deductible health plan, along with the additional premium for gap insurance, when compared to one low deductible, high premium plan.
Since this is a pure indemnity based product, there will not be any coordination of benefits.
Telemedicene
Telemedicene
WHAT IS TELEMEDICENE?
On demand healthcare via phone, anytime, anywhere to treat common medical issues, such as cold, flu, respiratory infections, allergies, skin conditions, depression, stress, addiction and more. Enjoy an extensive network of licensed physicians with varying specialties who can diagnose illnesses, and, in many instances, prescribe medications.
Telehealth is an emerging healthcare solution that has shown proven to improve patient outcomes and save heathcare consumers thousands, if not more, in healthcare costs.
Prescription Drug Plan
Prescription Drug Plan
ABOUT OUR RX PLAN
Plan includes generic drugs only, where 70% are $10 or less. Preview plan list to see if you prescription needs will be covered. No maximums or deductibles.
If you would prefer to have personal service and guidance, please call us at (860) 886-5126 or submit the personal quote request form below.
