At Group Insurance Solutions, we also service the needs of the individual insurance consumer. We offer individual plans of health, dental, life and disability insurance through the area’s leading insurance carriers.
Medical Insurance
Affordable Care Act & Health Insurance Marketplace
We understand how frustrating it can be to find affordable health insurance that maintains the level of coverage you need. This is why we treat each of our clients with the respect and personalized service we expect. We will provide personalized health insurance quotes so you can choose the low cost health insurance necessary to give your family the peace of mind in being able to see the doctor whenever you or a family member needs it without worrying about how you will afford it.
We are certified to assist individuals in enrollment through the federal marketplace-www.healthcare.gov. Assistance is available on the marketplace to help pay your premiums (Advanced Premium Tax Credit) as well as lowering you co-pays, deductibles and out-of-pocket expenses (cost-sharing subsidies).
Individual health insurance programs are designed for individuals and families who cannot obtain health insurance through an employer. Due to the continually rising cost of medical care, it has become more important to provide health insurance for you and your families.
Group Insurance Solutions offers health insurance programs to individuals which offer extensive coverage as well as high-deductible programs which are designed to protect against catastrophic financial losses.
As an independent agency, Group Insurance Solutions can provide insurance plans from numerous health insurance companies. With the health insurance market changing frequently, we are always on the lookout for quality, service-oriented insurance companies for our clients.
Dental insurance
Individual dental insurance is coverage sold directly to the customer from an insurance company. If you’re one of the 10 million Americans who don't have dental coverage from an employer, or just one of the 126 million Americans lacking dental coverage it’s important to seek coverage elsewhere.
Dental health is important to your overall good health so not having insurance may tempt you to skip regular cleanings and checkups – a decision that could lead to serious dental health problems down the road. We offer many plans that are designed to help fill these types of gaps by offering a variety of plans and price points.
Most people know that they need to visit a dentist regularly. Having dental coverage is strongly associated with how often dental services are used. Americans often say that the cost of dental care and the lack of dental coverage are reasons for not getting needed dental care. Having an individual dental insurance plan allows you to get the regular care you need to stay healthy.
Life Insurance
Life insurance is one of the most important purchases you will ever make. In the event of a tragedy, life insurance will help pay bills, finance future needs, cover college expenses, and protect your spouse’s retirement plans.
What type of policy do I need? There are two main types of life insurance policies – Term Life and Whole Life. Each policy contains different options ensuring the policy you purchase is unique to you and your family.
Term Life: This is the most affordable type of insurance and is designed to offset any temporary needs. This policy only pays the benefit if you pass away during the term on the policy.
Whole Life: Provides lifelong protection as long as you pay the premiums. Because it is designed to last a lifetime, the policy actually accumulates a cash value, which can be withdrawn after a certain amount of time.
How much should I purchase? There are a number of factors to take into consideration when calculating the proper amount of life insurance to purchase. Here are just a few questions you should ask:
- How much money would my family immediately need to pay outstanding debts or funeral expenses?
- How much do I owe on my mortgage?
- How much money would it take for my family to maintain their standard of living?
- How much do I currently have saved to assist with these expenses?
We will walk you through these questions and many others to help you determine how much life insurance is adequate for you and your family.
Disability Insurance
There are many components to financial security, but an individual’s ability to work and earn an income is what makes everything else possible. People insure their homes, cars and personal property, yet they often fail to consider insuring the one thing that makes all those things possible – their income.
How solid is your foundation? When someone is too sick or hurt to work, the bills don't stop. Plus, there may be additional expenses for medical treatment or assistance. Many believe the government will support them, but average amount of time it takes to collect Social Security disability benefits, if you qualify, is more than a year. Employer policies are usually taxable, leaving less income to go around. Are you confident your family would survive?
A disability plan can help:
- Provide personal income protection for everyday living expenses
- Allow you to continue saving for retirement
