



Welcome to Insurance and Benefits Advisors
a full-service insurance brokerage company
We make insurance easy!
Let us help you find the right level of coverage.
MAJOR MEDICAL
We offer all Affordable Care Act (ACA) Major Medical carriers, both on and off the Marketplace Exchange for Individuals and Employer Group Plans. Some carriers that we offer are United Healtcare, Aetna, Humana, Blue Cross Blue Shield, Health First, Oscar, Molina, Bright Health, and Advent Health.
SHORT TERM MEDICAL
Now available from 1 month up to 3 consecutive years, with a fixed rate premium for all 3 years.
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.
DENTAL INSURANCE
- No Waiting Period Dental PPO and Indemnity Plans starting at $11.00 per month.
- 100% Preventative, NO COPAYS, NO DEDUCTIBLE, NO WAITING PERIOD!
- Pays whether your provider accepts insurance or not. Reimburses for self-pay.
- Extra in-network discounts, many networks. Next-day start dates.
- Value: Coverage that pays for itself. Customize and pay only for what you need.
- Orthodontics, Dentures and Endodontics included.
- Next day start dates
- Many Carriers with multiple plan levels available for each.
- Individual and unlimited benefits for Employer Group Plans.
VISION INSURANCE
- No Waiting Periods!
- Plans with BOTH Frames/Lenses and Contacts available.
- Affordable plans starting at less than 9.00 per month.
- Next day start dates.
- Many Carriers with multiple plan levels available for each.
- Individual and Employer Group Plans Available
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, HSA'S, and new self-funded plans with zero risk available for small businesses.
- We provide full administration and on boarding 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!
BUSINESS SERVICES
Insurance and 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, 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.
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 is often far less expensive than low deductible plans.
- Plans that pay you when you’ve lost income due to an Accident or Critical Illness. Income protection when you need it most.
LONTERM CARE & 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.
MEDICARE
Confused when trying to determine whether a Medicare Advantage Plan or a Medicare Supplement Plan, also known as Medigap, is the best option? 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.
TRAVEL INSURANCE
Insurance Plans for Travelers, Expats, Temporary Workers in a foreign country, which includes coverage from the time you leave your home country, until you return. Whether traveling for business or pleasure, for a short duration or longer multi-country trips, you’ll have coverage for as long as you need it, with protection to get you back home in case of an emergency.
PROPERTY & CASUALTY INSURANCE
Home, Auto, Boat, Motorcycle, Umbrella and more
BUSINESS INSURANCE
General Liability, Workers’ Compensation, Professional Liability, Builder’s Risk, Property Insurance, Business Automobile Insurance, Key Man Policies, Cyber Insurance, Umbrella Insurance, and more.
Some carriers that we represent











