For Health Insurance That Starts January 1, 2021…
Tuesday Is The DEADLINE!
We Handle ALL Insurances, But Health Is Our Specialty!
We pride ourselves in only working with real insurance carriers who offer realistic health insurance options. These would include:
- ACA Plans – On and Off Exchange (Non PA, NJ, or MD)
- Medicare Supplements, Medicare Advantage and Part D Prescription Plans
- Obamacare Alternatives with REAL Insurance Companies
- Association Options utilizing Cigna PPO and Aetna PPO Networks
- Group Insurance both Fully Insured and Level Funded Options
- Dental and Vision
Our product offerings go much further, including:
- Life Insurance
- Home and Auto
- All Business Lines
- Travel Medical
- Annuities, Disability, and Long Term Care
There exist misconceptions regarding the service of brokers, and with all the “nonsense insurance products” being pushed and service fees charged, this is rightfully so. Any true independent health insurance broker is paid by health insurance carriers to assist consumers. The price we quote you is the exact same as if you were to call the companies directly or Healthcare.gov/State Based Exchange (Pennie, GetCoveredNJ, MarylandHealthConnection, ect). We don’t charge fees, because we build our business by truly helping consumers. Carriers will sell to you, but cannot give you personal help and attention (or shop their competition).
The majority of our clients are covered by an Obamacare (ACA) or Medicare plan, but this is not a fit for everyone’s needs and budget, so people are looking for alternatives, There are garbage plans out there and call centers doing serious harm to consumers by selling products which are not insurance. We only work with reputable companies. The closest alternative to ACA coverage is a Short Term Medical Plan. Individual State Governments now decide how long a short term policy can be (it used to a be a standard 3 month max). In PA the max duration was extended to 360 days, and United Healthcare has been selling like wildfire. TX, Fl, GA, AZ, and many other states allow a 12 month policy to be renewed for up to 3 years. Our recommendation is pairing a United Healthcare (one the country’s biggest health insurers) Short Term Medical plan (if you can pay in one upfront payment you can save 20%) with a Health Protector Guard for a comprehensive package (their vision and dental plans are outstanding as well).
Have a great holiday season, please stay safe and take care of yourselves. As always, we are here to help make this process easy!
Joseph L Covell
Independent Insurance Brokers
Custom Benefit Plans, Inc.
616 Easton Rd
Willow Grove, PA 19090