Health & Dental

The right type of health coverage depends on your circumstances, eligibility, and budget.

ACA Marketplace Health Insurance

Individual and family health plans available through the Health Insurance Marketplace may cover essential health benefits, subject to plan terms. Depending on household income and other eligibility requirements, you may qualify for financial assistance to reduce your monthly premium.

Enrollment generally takes place during Open Enrollment or a Special Enrollment Period if you qualify.

Private Health Insurance

Certain private insurance products may offer coverage for specific healthcare needs or circumstances. Benefits, eligibility, medical underwriting, and limitations vary by product. These plans are not necessarily equivalent to comprehensive ACA-compliant major medical coverage.

Supplemental Health Insurance

Supplemental policies may provide additional benefits for specified events or expenses alongside other coverage. They generally do not replace comprehensive health insurance, and benefits depend on the policy.

Our team can help you understand the options available through our agency and identify the appropriate next steps.

• Preventive care
• Primary care and specialist visits
• Emergency services
• Hospital care
• Prescription drugs
• Mental health and substance use disorder services
• Rehabilitation and other covered therapies
• Certain medical equipment and supplies

Not every plan covers every service in the same way. Deductibles, copayments, coinsurance, provider networks, and coverage limits can affect your out-of-pocket costs.

Dental insurance can help manage the cost of eligible dental care. Depending on the plan, benefits may include:

Preventive Care

Routine exams, cleanings, and X-rays.<

Basic Dental Services

Certain fillings, extractions, and other covered procedures.

Major Dental Services

Some plans provide benefits for crowns, root canals, oral surgery, and other major procedures.

Orthodontic Care

Orthodontic benefits, including braces, may be available under select plans and are subject to specific limits and eligibility rules.

Dental plans may have waiting periods, deductibles, annual maximums, provider-network restrictions, and different reimbursement levels for different services. Check these details before enrolling.

For individual and family health insurance, costs may depend on your location, ages, household circumstances, selected plan, and eligibility for financial assistance. Tobacco use may affect premiums where permitted by law.

Dental insurance premiums can vary based on the plan’s benefits, annual maximums, network, and other terms.

When comparing options, look beyond the monthly premium. Consider deductibles, copayments, coinsurance, provider access, prescription costs, and other expenses you may have to pay.