Fair, Honest Health Insurance Plans
Get coverage that puts your needs first, with clear options, straightforward advice, and support every step of the way. With over 20 years of experience serving the NJ/NY state, helping individuals, families, and small businesses find the right health plans with personalized guidance and trusted expertise.
Individual Health Coverage
We work with top insurance providers to deliver quality coverage and affordable plans, including options through GetCoveredNJ. Our team helps you compare benefits, understand your choices, and find a plan that fits your needs and budget. From selecting the right coverage to answering your questions about costs, we make the process simple, clear, and stress-free so you can feel confident in your health insurance.
Group Health Insurance
Group health insurance is more than a just a benefit! It’s a smart investment in your team and your business. The right coverage helps you attract talent, support a healthier workforce, and manage costs. Whether you need traditional plans, level-funded options, or flexible ICHRAs, we’ll help you choose what fits best. Contact us today to find the right group health insurance solution for your team.
ICHRA is an Individual Health Reimbursement Arrangement that offers customizable health coverage for as few as two employees.
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ICHRA
ICHRA is an employer‑funded benefit that lets employers reimburse employees for individual health insurance premiums and eligible medical expenses. The rules for ICHRA were finalized on June 13, 2019, and the first ICHRA plans became available for employers to use starting January 1, 2020.
No Taxable Contributions for Employees
Contributions are tax-free for employees and tax-deductible for employers, creating a cost-efficient benefit structure for both sides
Flexible Plans from Top Providers
Employees can choose from marketplace or off-exchange plans with trusted carriers such as Aetna, Guardian, MetLife, Horizon and more.
Administrative Simplicity
Gone are the days of complex insurance administration with an ICHRA. It simplifies benefits and lets employees choose their own coverage.
Flexibility for Employees
You can tailor ICHRA benefits for different employee classes, including seasonal or temporary staff, and pay only for what you need.
Medicare Advantage and Supplement Plans
MEDICARE PART A & B
Medicare Part A provides hospital coverage, while Part B covers medical and doctor services. Since Original Medicare doesn’t cover all costs, many people add a supplement plan to help pay for what Part A and B do not include.
MEDICARE PART C
Medicare Part C, also known as Medicare Advantage, is an all-in-one plan offered by private insurers that includes Part A and Part B coverage, often with added benefits like dental, vision, hearing, and sometimes prescription drugs.
MEDICARE PART D
Medicare Part D provides prescription drug coverage to help lower the cost of medications. It works alongside Original Medicare, and many people choose to pair it with a Medicare Supplement plan to reduce out-of-pocket expenses and ensure more complete coverage for their healthcare needs.
Life Policies and Settlements
A life insurance policy provides essential financial protection by helping cover final expenses, outstanding debts, income replacement, and long-term security for loved ones, making it a critical part of a well-rounded financial plan. However, if a policy is no longer needed or has become unaffordable, a life settlement can be a practical alternative by allowing the policyholder to sell the policy for a lump-sum payment (often higher than the cash surrender value) providing immediate funds that can be used for retirement, medical costs, or other financial priorities.
