Health Insurance

We deal with several health, dental and vision insurance companies, so that we can help find you the best quote.

To receive a quote please fill out the form below or click here for our contact information. We offer several options for health coverage including PPO’s, HSA’s, short term coverage, and more! If you are looking to purchase a marketplace plan go to healthcare.gov to deal directly with them. 

Not sure what kind of plan you want or need? Click here to learn more about what types of health insurance plans are available, and what the differences between them are.

We have the option to include dental and vision coverage with some of our companies, but we also have stand alone options for you. We want to make sure your health, dental, and vision are all covered. 

What Does Dental Insurance Cover?

Dental insurance typically covers procedures that improve the general health of your teeth and gums, including preventative services, basic dental procedures, and major services such as crowns and oral surgery. Depending on the procedure, consumers often have to fulfill a waiting period before a carrier will pay for a share of the dental costs.

Dental insurance benefits are not standardized. One dental plan may cover a different collection of services than another dental plan. Before enrolling, it is important to evaluate a dental plan’s benefits. Some of the services you may want to confirm within the plan are:

  • Dental exams every six months
  • X-Ray
  • Teeth cleaning
  • Fluoride treatments
  • Fillings
  • Crown
  • Bridge
  • Tooth extraction
  • Root canal
  • Oral surgery

In many cases, dental insurance plans won’t cover “specialized” procedures such as cosmetic dentistry and orthodontia.

What Does Vision Insurance Cover?

Vision insurance is a specific type of plan designed to make eye exams and prescription eye wear more affordable. Some vision insurance plans also offer discounts on LASIK and other elective vision correction surgery.  Traditionally, vision insurance provides coverage for preventive eye care services and products, eye conditions and diseases, and the treatment of eye injuries.

Examples of items covered by most vision plans include eye exams, prescription eyeglasses, contact lenses, progressive lenses, photochromic lenses and anti-reflective coating. The typical vision benefits package usually provides free eye care services and eye wear, within fixed dollar amounts for an annual premium, plus a copay each time you access a service. Specific discounts or allowances for products and services vary from plan to plan.

Finally, if you are choosing an individual vision insurance plan, be aware of its limitations. Basic plans often cover just eye exams, glasses, and contact lenses. More comprehensive plans may expand coverage to include eye surgery, laser eye surgery, and treatment of common eye diseases, for example cataracts and glaucoma.

Click here to have one of our professionals reach out to you.