Health & Life Insurance

Health Insurance

The Affordable Care Act puts consumers back in charge of their health care. Under the law, a new “Patient’s Bill of Rights” gives the American people the stability and flexibility they need to make informed choices about their health.

View key features of the Affordable Care Act or read a year-by-year overview of features.

We provide assistance finding the right health insurance coverage for you and your family under the Affordable Care Act.

Coverage

We’re commited to keeping health insurance rates as low as possible through disciplined underwriting. Our insurance policies further reduces your health insurance premium by offering numerous discounts:

Ends Pre-Existing Condition Exclusions for Children: Health plans can no longer limit or deny benefits to children under 19 due to a pre-existing condition.

Keeps Young Adults Covered: If you are under 26,
you may be eligible to be covered under your parent’s health plan.

Ends Arbitrary Withdrawals of Insurance Coverage: Insurers can no longer cancel your coverage just because you made an honest mistake.

Guarantees Your Right to Appeal: You now have the right to ask that your plan reconsider its denial of payment.

Costs

Ends Lifetime Limits on Coverage: Lifetime limits on most benefits are banned for all new health insurance plans.

Reviews Premium Increases: Insurance companies must now publicly justify any unreasonable rate hikes.

Helps You Get the Most from Your Premium Dollars Your premium dollars must be spent primarily on health care – not administrative costs.

Care

Covers Preventative Care at No Cost to You:
You may be eligible for recommended preventative health services. No copayment.

Protects Your Choice of Doctors:
Choose the primary care doctor you want from your plan’s network.

Removes Insurance Company Barriers to Emergency Services You can seek emergency care at a hospital outside of your health plan’s network.

More Information

Find the right plan for your family

Talk to us today about health insurance.

Contact us today

Protecting you and your family throughout all the seasons of your life