Health Insurance
Major Medical
Private Market
Catastrophic
Short Term
Dental
Vision
HMO
PPO
It's better to have it and not need it than to need it and not have it. From Major Medical to Marketplace to Catastrophic to Private Market, we can help with every Health Insurance option Louisiana has to offer in 2022.
We compare every health plan available to make sure you find the best coverage for the best price. Whether you’re an individual, family, small business owner, or employer we can help you find the best health insurance option for you, your family, or your business.
Supplemental Insurance
Specified Disease
Hospitalization
Critical Illness
Pharmacy
Accident
What if you could have a zero dollar out of pocket (no deductible) for a small amount extra each month? Eliminate out of pocket medical costs and unexpected out-of-pocket costs associated with accidents, critical illnesses, cancer, heart attack, stroke, & sickness hospitalization. This small optional addition to your health insurance can pay cash benefits right to you, thus helping you face unpredictable moments with confidence.
Life Insurance
Living Medical Benefits
Long Term Care
Did you know there are life insurance policies that can compliment, enhance your Health Insurance? Certain types of term life insurance can be an effective way to have living medical benefits (and a death benefit) via a customized life insurance policy. It will protect your family and cover expenses like short-term and long-term debts, medical bills, and college tuition in the event of an unexpected death. Death benefit protection in periods of 10, 15, 20 or 30 years including 4 living benefit riders, offering additional flexibility and coverage for a number of unexpected events. Riders available offer protection for:
Critical Illness
Chronic Illness
Terminal Illness
Unemployment
Accident & Disability Insurance
AD&D
If you are injured by an accident and cannot work, what happens to your income? What if you die prematurely? Your paycheck may stop, but the mortgage, car, and credit card payments do not. In the event of rare but extremely catastrophic events, know that you can cover anything. We hope you never have to use it. That's why if you never need it, you get your money back when the policy matures. Ask about a return of premium rider. Very inexpensive, our accidental insurance is a multi-faceted product that can serve a variety of roles, many of which can fit into your Health Insurance.
Medical Gap Insurance
Medigap
Some Individual Health Insurance and Group Health Insurance plans have cost sharing "gaps" in the form of deductibles, copay's, coinsurance, and non-covered treatments. Additionally, there are often non-medical costs involved with an accident or serious illness. Maybe you can only afford a minimum coverage, high deductible, "cheapest thing I can get" plan. Add a 'medigap' policy for a very small amount and get coverage for catastrophic events. Benefits selected under this plan are paid regardless of other coverage. This is an advantage over many other supplemental Health Insurance plans, which typically only pay the amounts that aren’t covered by individual Health Insurance or group Health Insurance plans. Our Medigap plan is guaranteed renewable for life, where other plans may terminate at a specific age or can be cancelled. There is no reduction in benefits at any age. GAP coverage is also a perfect complement to many plans (high deductible, max coverage, and medicare for example).
