No. Since we deal in the private market plans you can enroll 365 days a year.

Some of our Major Medical plans are employer group health plans, these are plans provided by an employer, other organization to its members or employees. These plans are designed to offer Major Medical benefits, such as coverage for doctor visits, hospital stays, preventive care, and prescriptions, to a group of people under one policy. You will have surveys you must answer and will be compensated at the end of the year by a W2 or 1099. You will be considered a part time employ/working owner of the group in order to gain access to the insurance plan.

HMO is a Health Maintenance Organization. HMO health plans require you to use a network of providers local to your area and must select a primary care physician (PCP) who coordinates your care, including referrals to specialists. They typically offer lower premiums and out-of-pocket costs but less flexibility in provider choice. They do not have coverage for out-of-network unless it’s an emergency.

An EPO (Exclusive Provider Organization) health plan is like a hybrid between HMO and PPO it offers a balance of cost savings and flexibility. It requires you to use a network of doctors, specialists, and hospitals for coverage, but unlike an HMO, it does not require referrals to see specialists. However, out-of-network care is typically not covered, except in emergencies. EPOs are ideal for those who prefer lower premiums and a simpler healthcare structure while staying within a designated provider network.

PPO is a Preferred Provider Organization. PPO health plans provide flexibility and convenience, allowing you to visit any doctor or specialist without needing a referral. You have access to a broad network of providers nationwide, and while you can see out-of-network doctors, staying in-network typically offers lower out-of-pocket costs. PPOs are ideal for those who want more freedom in choosing healthcare providers and specialists.

Major Medical Insurance provides comprehensive coverage for serious health issues, protecting you from high medical costs.

Yes. Like our Major Health Plans, we offer several PPO Dental and Vision plans that have access to providers nationwide.

Yes. We have several carriers for Term Life, Term Life with Living benefits, Whole Life, Simplified Issue and Final Expense-Burial. No reason to leave a burden to your family!

You can start using your insurance next day with some of our carriers, other carriers that offer Major Medical Insurance as long as you enroll by the 20th of the month it will typically start on the 1st of the following month, so enroll today!

COBRA insurance allows employees and their families to continue health insurance coverage under an employer-sponsored group health plan for a limited period after losing eligibility for that coverage. Typically it will last for 18 months but can be up to 36 months in certain circumstances but you will be paying the full cost of the insurance premiums (both what your employer use to pay and your portion. In most cases the cost doubles or triples to what you were paying before.