That’s why insurance exists – to help you when it does. Let’s find the protection you and your family need without going broke. We can help you customize an insurance solution that makes sense for you and your budget.
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Learn about health insurance options for your family or small business. Find answers to questions and get quotes.
Alternatives to Health Insurance
Health insurance in the Obamacare world is complicated and expensive. So we have some alternatives you can consider.
Discover a dental insurance policy that makes sense for your family or business. You’ll see how affordable it can be.
We get it. There’s a lot to consider with insurance and it can be hard to know where to start. The good news is that it doesn’t have to be complicated or painful. You can do this! (And we can help!)
Insurance is personal – your situation is unique and not everyone needs the same kind of coverage. That’s why we offer a lot of different insurance plans. You won’t need all of these, but there’s probably a couple you should consider.
We begin with health insurance because that’s one everyone needs. Unfortunately it’s also the most expensive, but you probably already knew that. Then we’ll suggest a few other types of insurance that many people find useful.
The main point of health insurance is to help you avoid going bankrupt because of a big-time health event. And in our healthcare system, it doesn’t take very long to rack up a huge bill. Seriously. Have you been to the hospital lately?
So you need to find a good, solid health insurance plan. And we can help you do that. We can guide you through the process of deciding what kind of plan you need, how to purchase it, and whether you qualify for a government subsidy to do so. We’ll make this as simple as we can.
Health sharing organizations are faith-based alternatives to traditional health insurance. Members agree to abide by certain lifestyle guidelines and to share in one another’s medical expenses. While they function in a similar way to health insurance plans, they are not insurance and members are technically considered to be “self-pay patients.”
That said, membership in health sharing ministries is growing very rapidly because members are exempt from the “individual mandate” in Obamacare and because membership is typically less expensive than a non-subsidized Obamacare plan. We gladly partner with and recommend Altrua Health Share for clients looking for an alternative to health insurance.
Life insurance isn’t about you at all. It’s about the people who need you.
Statistics have shown that 10 out of 10 people die. We hope that doesn’t happen for a long, long time. But what if it doesn’t? If you have people who depend on your income, you need to get a basic life insurance policy to take care of them just in case.
The good news is that a basic life insurance policy is usually very affordable.
You know you’re supposed to go to the dentist twice a year. A good dental plan will help you pay for that. It will also help you take care of the bill if your dentist needs to do more work.
There are dozens of dental plans out there. We’ve found a couple that we believe are a cut above and will take good care of you.
The three policies above are the ones that most people need and purchase first. The next two are sometimes what we refer to as “supplemental insurance.” They’re designed to fill in the gaps of a health insurance plan.
Like we said above, stuff happens. An accident insurance plan will help you pay for care if you get hurt in some kind of accident. It’s designed to help you meet your out-of-pocket costs in your health insurance plan. If you’re active (or have active kids), or just clutzy, this could come in really handy. And the good news is it’s inexpensive.
Critical Illness Insurance
Critical illness insurance pays you a lump sum if you have a major event like a heart attack or stroke, or if you’re diagnosed with a serious illness like cancer. That money helps you pay your out-of-pocket costs for your health insurance plan and may additionally help you with related expenses or lost income. Like most of this stuff, we hope you’ll never need it, but it’s nice to have.
Simply put, the point of disability insurance is to help you pay your bills if you can’t work because of a disabling condition or illness. Think of it as income insurance.
Got questions? Need help deciding which of these policies to bundle together to create your custom insurance plan? Let’s talk.