Short-Term Medical

This is now available from 1 month up to 3 consecutive years, with a fixed rate premium for all 3 years. It is ideal for those who cannot afford Major Medical or simply don’t need it. We help you evaluate which type of plan is right for you.

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Long-Term Care and Life Insurance

Living your best life now, protecting your health and your wealth for the future.

We help you to plan for the unforeseen so that you are free to live your life and focus on what is important to you.

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Dental Insurance

• No waiting period. Offers Dental PPO and Indemnity Plans starting at $11.00 per month.
• It is 100% preventative with no copays, no deductible, and no waiting period!
• Pays whether your provider accepts insurance or not. Includes reimbursement for self-pay.
• Includes extra in-network discounts for many networks. Offers next-day start dates.
• Value: It is a coverage that pays for itself. Customize and pay only for what you need.
• Coverage for orthodontics, dentures, and endodontics included.
• Offers next-day start dates.
• Has many carriers with multiple plan levels available for each.
• Offers individual and unlimited benefits for an employer group plan.

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Vision Insurance

• No waiting periods!
• Plans with both frames/lenses and contacts available.
• Has affordable plans starting at less than $9.00 per month.
• Offers next-day start dates.
• Many carriers with multiple plan levels available for each.
• Individual and employer group plans available.

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Medicare

Confused when trying to determine whether a Medicare Advantage Prescription Drug (MAPD) Plan or a Medicare Supplement and Prescription Drug Plan? We can help. Our team of experienced AHIP-certified Medicare specialists guide our clients with education and support to enroll in the plan that meets their needs and budget.

The Annual Enrollment Period (AEP) is October 15th through December 7th. Millions of Americans are shopping for and purchasing senior medical products during this time. We encourage you to begin the process early to give yourself ample time to make the most informed decision.

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Supplemental

• Supplemental Health Insurance protects you from out-of-pocket expenses.
• It pays when major medical doesn’t.
• Supplemental health insurance makes zero-out-of-pocket health care a reality. When we combine supplemental health insurance coverage with our major medical plans, you no longer have to worry about unforeseen expenses.
• Higher deductible plans, combined with deductible coverage, are often far less expensive than low deductible plans.
• Supplemental plans pay you when you’ve lost income due to an Accident, Hospitalization or Critical Illness. It also offers income protection when you need it most.

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Property and Casualty Insurance

Coverage for your home, auto, boat, motorcycle, umbrella, and more.

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Travel Insurance

Insurance plans for travelers, expats, and temporary workers in a foreign country, which include coverage from the time you leave your home country until you return. Whether traveling for business or pleasure, for a short duration or longer multicountry trips, you’ll have coverage for as long as you need it, with protection to get you back home in case of an emergency.
 

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Employer and Voluntary Benefits

• We meet the needs and budget of both the employer and employees, with a customized approach. We compare all major medical carriers, as well as smaller carriers for voluntary benefits, supplemental plans, HSAs, and new self-funded plans with zero risk available for small businesses.
• We provide full administration and onboarding as well as plan administration throughout the year, supporting HR staff and eliminating the burden of benefits administration.
• We make employee benefits easy and affordable for all!

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Business Services

Insurance & Benefits Advisors specializes in helping small to medium-size businesses, including sole proprietors. We offer best-in-class services typically offered to larger corporations only. Our approach is consultative, working with business owners and managers to acquire the best services and products while reducing costs. It can be done! We do not charge retainer fees or have minimums, and we provide free initial quotes and consultations.

Our business services include:

• Employer Group Benefits including fully insured, self-funded, and voluntary benefits, (Dental, Vision, Critical Illness, AD&D, Life, Short Term, Long Term, LTD and STD, COBRA Administration, health savings accounts, 401K, travel insurance, and more).
• Business Lines: general liability, workers’ compensation, professional liability, builder’s risk, property insurance, business automobile insurance, key man policies, cyber insurance, and umbrella policies.
• Financial Services: We coordinate services with your partners or ours for business succession, financial planning, CPA services (payroll administration, bookkeeping, tax preparation, etc.) to provide seamless services.

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Business Insurance

Includes general liability, workers’ compensation, professional liability, builder’s risk, property insurance, business automobile insurance, key man policies, cyber insurance, umbrella insurance, and more.

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