HOW TO REQUEST COVERAGE
Please use the links below to get instant quotes for Health, Dental, Vision, and Travel Insurance, and to apply for coverage.
Instant Health Quotes
Health Insurance (Individual) – Open Enrollment NOV 1st – DEC 15th
An HMO health plan (Health Maintenance Organization) generally offers low premiums, but requires you to appoint a primary care physician and use doctors and facilities that are affiliated with the HMO.
A PPO health plan (Preferred Provider Organization) will save you money on services if you use the preferred providers within the network. While deductibles must be met before the plan pays for services, you can use a certain amount of services annually outside of the deductible with a small co-pay.
Medicare Supplement Plans
Medicare Supplement Plans help to cover what isn’t paid by your original Medicare coverage. Medicare Supplement plans work much like a regular PPO and save you thousands in co-pays, doctor visits, hospital stays and more.
Short-Term Health Plans
Short Term Medical Plans are health plans designed for times of transition and help to bridge gaps in coverage for individuals and families. Short term plans are generally less expensive than traditional health insurance, but they do not provide full coverage and they typically do not cover pre-existing conditions. Additionally, short-term health insurance plans do not contain the essential benefits required by the Affordable Care Act (ACA) to avoid penalty.
Dental & Vision Plans
Studies have shown that regular dental and eye exams help you to stay healthy and active, and help to detect other, sometimes serious, illnesses. Dental insurance offers a variety of diagnostic, preventative care and corrective services. This includes cleanings, exams, x-rays, fillings, root canals, orthodontia for children, and emergency care while traveling. Examples of eye care include exams, eyeglass frames and lenses, contacts, and even discounts on procedures like LASIK.
Medical Travel 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 & Apply For Coverage (Multiple Trip)
Get Quote & Apply For Coverage (Single Trip)
Have A Question?
Contact Pamela Larson
Phone: 1.760.302.6033
Cell 1.949.395.9989
ADDITIONAL COVERAGE
With rising insurance premiums, deductibles and healthcare costs, Supplemental Insurance such as Life, Disability, Long-Term Care, Critical Care and Accident Insurance is an affordable way to protect your financial future by paying for certain healthcare costs and expenses that typical health insurance doesn’t cover.
Disclaimer: the freshbenies(®) discount cardprogram is NOT insurance, is not intended to replace insurance, and does not meet the minimum creditable coverage requirements under the Affordable Care Act.
