Find the right coverage
Individual & Family Health Insurance
Beginning in April 2021, higher incomes became eligible for comprehensive ACA plans, providing lower or no cost policies to those who did not previously qualify for a subsidy.
Non-employer paid health coverage changed dramatically beginning April 2021. For the first time, individuals and families with higher incomes became eligible for premium tax credit subsidies, making comprehensive health coverage affordable for everyone. ACA plans cover all the mandated essential health benefits including no limitations on pre-existing conditions, coverage for maternity and newborn care, mental health, preventative/wellness services, and many more.
Short Term Medical
The perfect solution when you’re between jobs or outside of open enrollment.
The perfect solution when you’re between jobs or outside of open enrollment. Non-employer paid health coverage changed dramatically beginning April 2021. For the first time, individuals and families with higher incomes became eligible for premium tax credit subsidies, making comprehensive health coverage affordable for everyone. ACA plans cover all the mandated essential health benefits including no limitations on pre-existing conditions, coverage for maternity and newborn care, mental health, preventative/wellness services, and many more.
Group insurance
Employer-based health benefits for groups with 2+ employees, including 1099 gig workers.
Group Health Plans for your valued employees. Let’s determine the best plan design from an array of choices that fit the budget and makeup of your group. Fully compliant ACA coverage for employers with 2+ employees that can include 1099 employees. Some plan designs have the potential to refund a portion of premiums paid by your group annually.
MEdicare
Let’s find the plan that’s right for you.
When you are new to Medicare , some folks are surprised to find that
Medicare covers only 80% of your Part B expenses. It can be financially
devastating to find out later the other 20% is your responsibility if a
serious illness or injury arises. There are several choices we can look at
that to cover some or all of that 20%, among other such as diagnostic tests
or medical equipment. Let’s find the plan that’s right for you. Medicare
Supplemental insurance for those turning 65 and up buys you peace of mind by
eliminating that cost-sharing responsibility. Already paying too much for a
med sup, it may be in your interest to shop it around if your very healthy.
Life Insurance
Life changes are inevitable. Plan for it accordingly.
Life insurance is fundamental to financially protecting those you love. Paying off a mortgage, providing a long-term stream of income for your spouse, providing for a college education, or shielding future generations from estate taxes are some important things to consider when deciding about life insurance. For your business, life insurance can fund a buy/sell agreement with your partners, be used as collateral for a business loan, and protect your business from the sudden death of a key employee crucial to the business. Life Insurance is very affordable to put in place when you’re young, and healthy. Term life insurance is always less expensive and typically purchased for a specific time period such as 10, 20, or even 30 years. Permanent (whole life) insurance will cost more but it generally has an accumulating cash value inside the policy, and stays in force your entire life (as long as premiums are paid).
Disability Insurance
Protect your most valuable asset. Your income.
Disability Insurance protects your ability to earn an income – your most valuable asset! Sixty percent of personal bankruptcies in the U.S. are medically related. Short Term disability typically covers a percentage of your income for 13 to 26 weeks and will generally replace 60+% of it if you are injured or sick. Long Term disability typically replaces 60+% of your income out to age 65 or normal retirement age. How long would you be able to keep up with your monthly financial obligations if your income stopped?
Accident Plans
To help cover those unexpected medical bills. Play hard, but be prepared. Protect yourself from the unexpected.
Having an accident coverage plan will shield you from sudden out-of-pocket expenses that would otherwise go towards your deductible or max out-of-pocket limit on your existing health insurance. A knee injury alone could hit you hard with an unplanned $5-$10,000 bill. These plans are inexpensive, and coverages can be adjusted to match your health insurance deductibles. Accident plans make sense for active individuals and families that participate in outdoor hobbies and sports such as hiking, skiing, horseback riding, or school sports.
Supplemental Benefits
These inexpensive plans offer personalized choices for different needs and lifestyles. Employer paid or Voluntary.
Supplemental benefits typically include life, dental, vision, critical illness, accident and short/long disability. A well-tailored package that reflects the diversity of your workforce can be an effective recruiting tool. Savvy employers round out company core benefit packages with a menu of choices, helping retain valued employees. If voluntary, employees have the ability to enroll in valuable plans of their choice at employer/group rates. Voluntary plans can be funded through pretax payroll deductions to offer additional savings, at no direct cost to the employer.
MEDICAL EMERGENCY TRANSPORTATION
In a medical emergency, you need to get there fast and reliably, no questions asked.
In medical situations, health insurance will often pay for only a fraction of the cost of emergency transport. This can include both ground and air transportation to the nearest medical facility. The logistics of this can be compounded in rural areas. MASA Medical Transport solutions can shield you from these costs. In a medical emergency, transportation needs to happen fast. This coverage also applies to non-emergent situations such as being too sick to travel but not life threatening.
