PPO Plans: The most popular and affordable plans have higher deductibles for major medical expenses, may include an office visit co-pay feature, and a low deductible or co-pay for prescription medications. You may self-refer to any participating plan provider to get the best plan benefits or receive reduced benefits from a non-plan provider.

HMO plans: Offer a co-pay for many routine expenses and include maternity coverage after a maternity coverage waiting period. The plan Primary Care Physician you select will co-ordinate referrals to plan specialists as needed.

Health Savings Account (HSA) plans: Combine a high deductible Preferred Provider health plan to cover large expenses with a tax-advantaged personal savings account to cover small expenses. Unused savings roll-over each year and may accumulate tax-deferred interest. Contributions to the savings account are tax-deductible and may be used tax-free for any IRS qualified medical expense. Want to know more? Please call for more information.

Free quotes, enrollment materials, and/or online enrollment are available from this website. 

                         Short-term health insurance

Need coverage in a hurry? Current health coverage expiring soon? Apply now ! Temporary health coverage provides quick, inexpensive, temporary coverage to protect from unexpected accidents or illness for people currently without health coverage or in between permanent plans. Plans offering 1 to 6 or 12 months of coverage and monthly payments are available. For healthy people, this is a perfect alternative to COBRA. Free quotes and enroll online! (Please read Portability & HIPAA information below.)

                        Dental Insurance  and  Discount Dental Plans

Dental insurance allows you to use your own dentist. Above the plan deductible, insurance pays a percentage of the eligible dental claims to the annual benefit maximum.

Dental discount plans are an alternative to dental insurance. These reduced fee dental plans are affordable and offer discounts for dental services from a large network of participating dentists. There are no paperwork hassles, no health restrictions and no annual limits. Join instantly for quick activation to start saving immediately. Anyone in the United States may join this dental discount plan.

                   International Travel Medical

Each year, millions of people travel outside their home country, beyond the boundaries of their medical insurance. Travel periods from 15 days to 3 years may be covered for illness and injury abroad. Emergency medical evacuation back home is a key benefit. Some plans cover trip interruption or cancellation. Immigrants to the United States are also eligible for coverage. Premiums are very reasonable. Individuals anywhere in the world may enroll online. 

                    Free Discount Prescription Drug Card      

Access to quality presription medications at a reasonable cost is a challenge for many people. This discount drug card is designed to save you money on your prescription drug costs. Apply, print-off your discount card, and start using it right away. You pay a reduced cost for prescriptions. This is NOT insurance. Anyone in the United States may join this FREE discount drug plan.       

               Free Discount Lab Services Card

Access to discount laboratory services is now available. Those without insurance coverage for outpatient medical services, people on limited benefit plans or plans with pre-existing condition limitations now have access to a discounted fees for laboratory services. This plan is NOT insurance. Anyone in the United States may join this FREE discount lab plan.                                  

                    Life Insurance

Life insurance can help to provide a few years or a lifetime of income to the survivor or can be used to help secure business or personal debt. Term life insurance is the most affordable way to to buy coverage for a fixed period of time. 10 and 20 year term plans are the most common. My carriers are consistently price leaders. Free online quotes and application request.

Please call for quotes on:

                   Disability Insurance

An average person will earn over $1million in their lifetime. Disability coverage provides continuation of income for living expenses and health insurance premiums. Call for free quotes

                   Retirement

Retirement...Something most of us hope to do someday. Retirement doesn't take age, it takes money. Small amounts of money, set aside often will accumulate and grow over time. Start now. I can help.

                   Portability (HIPAA) Coverage & Conversion Coverage

Individuals losing Group health or COBRA coverage from any insurer may be eligible for Individual Portability Coverage. This coverage does not require medical underwriting and has no waiting period for pre-existing medical conditions. Individuals must have had at least 18 months of prior creditable health insurance coverage with the most recent coverage being Group coverage, do not have other health insurance, group health coverage, Medicare, Medicaid, or AHCCCS, have enrolled in and exhausted COBRA coverage or continuation benefits (if available), and who have not had a break in coverage of more than 63 days may have special rights under the Health Insurance Portability and Accountability Act (HIPAA). Other qualifications may apply. HIPAA/ Portability Plans are generally expensive. Portability plans are generally sold to the consumer directly by the health plan. 

It's also a good idea to check with your current health plan about the availability of a Conversion  Policy.  Conversion policies may have more limited benefits than the coverage it replaces, so ask the carrier a lot of questions to find out what's not covered (i.e.: Prescription drugs, office visits may be excluded).  

The purchase of a short-term health plan (explained above), conversion policy, or any other individual health insurance coverage would forfeit the option to purchase a HIPAA/Portability plan.    

Disclaimer: Information contained on this website is general information only. Each insurance plan has its own covered benefits, limitations, and exclusions. Please refer to the plan brochure, policy, or carrier website for additional  information.            

Have questions? Need more information?

Call Ken Leombruno at (602) 971-5799