• 583,000 physicians
  • 4,910 Hospitals across all 50 states and in four international markets
  • 94% of all insurance claims are processed on 10 working days or less
  • Rated A+ by Standard and Poor's

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Health Insurance

Need Insurance Coverage

  • Millions of Members
  • Affordable health insurance quality and choices
  • Broad coverage, competitive costs
  • Family coverage
  • Tax advantages
  • Coverage when you travel

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Safeguarding your Health and Finances
Health insurance plays an integral part in protecting the health and well-being of you and your family. It also serves to safeguard your finances against the risk of overwhelming medical debt. In the United States today, it has been statistically shown that over 60% of bankruptcy filings are due, in some part, to unpayable medical bills.

Specific coverage varies greatly from plan to plan, but health insurance also helps by paying out for preventative care. As the saying goes, "an ounce of prevention is worth a pound of cure." Annual doctor visits and routine checkups are paramount to healthy living. In the event of serious illness, it's always beneficial that it is diagnosed and treated as soon as possible. Beyond ensuring the best outcome for your health, it also becomes far cheaper to treat a disease at its onset.

What kind of coverage do I need?
The amount of coverage you need should be driven by two questions:

  • How much can you afford?
  • What is required to give you the peace of mind to sleep at night?

Ideally, you want to strike a compromise between affordability and coverage that will meet you and your family's needs today. In evaluating your needs, think about how often you typically go to the doctor. Do you have chronic conditions? Do you often need prescriptions? Have you had to see specialist doctors on a semi-routine basis? Do you have children?

If the answer to most, or even any, of these questions is yes, you will want to look at policies that offer low deductible and lots of coverage. It's true that these policies will have high premiums, but this premium will be quickly offset by all the coverage paid out.

If the answer to most, or all, of these questions is no, you will want to look at policies that offer high deductibles and coverage that kicks in only after significant out-of-pocket expense has been met. These policies will have low premiums and are generally meant to cover you in the event of serious medical expense.

For those of you lucky enough to be young and healthy, it's easy to forego any kind of medical insurance under the pretense that you never get sick. However, this is a fallacy that could easily lead to financial ruin. With the soaring cost of modern medicine, even relatively minor problems, like an ER visit for a broken bone, can result in significant expense.

We are affiliated with two health insurance carriers: Aetna and United Health.  Follow the links below to request quotes today!