Life and Health insurance in Pittsburgh, Allegheny county and throughout Western Pennsylvania.

As Medicare, life, and health insurance evolves to meet the needs of today’s world, the plans and offerings have become more complex. Understanding the various parts and supplemental options can help you choose a coverage plan to suit your needs. We’ll help you evaluate your needs so you can make an informed decision.

General Medicare

Medicare is available to most people aged 65 or older who have paid Medicare taxes while working, as well as some younger people with disabilities or end-stage renal disease. Medicare is divided into several sections with differing costs and choices. Rules concerning enrollment eligibility and timing must be considered.

Medicare Advantage Plans

Sometimes referred to as Medicare Part C or MA plans, these plans are an alternative to Original Medicare Parts A and B. These plans have many things in common with Original Medicare, but they may also offer expanded benefits that aren’t available otherwise.

Medicare Part D

Medicare Part D was established in 2003 as part of the Medicare Prescription Drug Improvement and Modernization Act, or MMA. Medicare began to cover prescription drugs under Part D in 2006.

Individual Life Insurance

You can’t put a dollar amount on your family, but you can ensure their future is protected. We can’t predict when the unexpected will happen, but we can help you prepare for it when it does.

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ACA and Short-Term Medical Plans

What happens if you retire or otherwise lose coverage before you turn 65 and gain Medicare eligibility? There are options for you to fill the gap, including ACA and short-term medical plans.

Individual Dental Insurance

Having individual dental insurance is key to staying healthy, and it’s not just about your teeth. Did you know that regular dental exams can even help detect serious underlying conditions such as heart disease and diabetes? Having this coverage helps you get the preventative and corrective care you need to stay healthy.

Individual Vision Insurance

Whether your employer doesn’t offer vision insurance or you don’t have access to coverage through an employer, individual vision insurance allows you to get that coverage on your own.

Group Health Insurance

In general, group health insurance is the first priority for employees and is the second largest expense for employers behind payroll. We’ll help you navigate the healthcare process so you can hire and retain top talent.

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Life and Accidental Death and Dismemberment Insurance

Some employees may want coverage that goes beyond life insurance or workers compensation. They want to be covered in the event of an accident, on or off the job. We can provide that added financial protection.

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Long-Term Care Insurance

Offering long-term care insurance as a employee benefit can be an integral part of your strategy to recruit and retain the best talent, contain costs, and enhance employee productivity. We’ll guide you through the process.

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Disability Insurance

Disability insurance protects your employees from a temporary loss of income and is a fundamental part of a quality employee benefits package. We’ll implement a plan structured just for you.

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