Health Services


Individual Health Insurance
Individual Health Insurance can refer to a wide variety of insurance policies including: Short Term Medical Insurance, Health Maintenance Organizations (HMO), Point of Service (POS) Plans, Medical Savings Accouints (MSA), Preferred Provider Organizations (PPO), Traditional Co-Pay Plans, Dependent or Child Only Plans, Hospital Only Plans, Student Insurance, Child Only, Guaranteed Issue, Long Term Care Insurance, Limited Benefit Reimbursement plans and Medicare Supplements.

Group Health Insurance
Group Health Insurance is for businesses, non-profits, schools, parish and local governments, and other organizations that want to have health insurance available to their employees. Whether the employer intends to pay all, part, or none of each employee's cost, a Group Health Benefit is the ideal product for providing this important coverage with the best overall coverages and prices.

Major Medical
Is a stop-loss health insurance that goes into effect after a substantial deductible has been met by the insured. The front-end deductibles range from $1000, $3000, $5000 and as high as $25,000 with the higher deductible offering the lowest possible rate. This health program is aimed at persons who do not want first dollar coverage but need casatrophic topic coverage only.
In-Hospital Only
Health Plan specifically designed for hospital admittance very limited out patient coverage such as doctor office visits and prescription drug card. Emergency room treatment can be added at an additional premium but this program is mostly aimed at expensive long-term or short-term in-hospital stays.
International Travel
you may wish to have access to health care in other countries, including the US, in the event you become serious ill while traveling. If you are a US citizen traveling or living abroad, US private health insurance will not meet your needs. Geographical exclusions and provider limitations will restrict or even eliminate the coverage available to you while you are outside the US. If you are a non-US citizen you may need an international medical insurance policy to provide coverage while you are outside your home country.
Medicare Supplement
This coverage supplements the coverage provided to senior citizens by Medicare. Medicare requires deductibles and co-payments for many types of treatment. If your income is below a certain level these expenses may be paid by Medicaid. If your income is above this level you will have to pay the deductibles and co-payments out of your own pocket. Medicare supplements cover most of these out-of-pocket expenses.