Onsite Health and Wellness Management, LLC
Tailored Protection
Insurance Plans Overview
ACA Plans
Affordable Care Act (ACA) plans offer major medical coverage that meets federal ACA requirements. They help protect you from high costs if you have a chronic condition or face a medical emergency. ACA plans can help with doctor visits, prescriptions, preventive care, hospital stays, and more. You can’t be denied based on pre‑existing conditions, and most people qualify for coverage. Contact us today for a no‑cost consultation to review your options.
Life Insurance
We offer several types of life insurance to help protect your family and your long‑term goals. Term life insurance is usually the most affordable way to get coverage for a set period of time, such as while you’re raising children or paying off a mortgage. Universal life offers flexibility by combining lifetime coverage with an adjustable cash value component. Whole life provides lifelong coverage with level premiums and cash value that can grow over time. We can also help with final expense coverage designed to help with funeral costs and small debts so your family isn’t left with a financial burden. Contact us today for a no‑cost consultation to review which life insurance options may be right for you.
Medicare (A, B, D)
Medicare is made up of different parts that work together to help cover your health care needs. Medicare Part A helps cover hospital care, skilled nursing facility care, hospice, and some home health services. Most people earn Part A by paying Medicare taxes while working. If you didn’t, you may pay a monthly premium. Medicare Part B helps cover doctor visits, lab work, X‑rays, outpatient surgeries, and many preventive services. It also helps with medically necessary equipment such as walkers and wheelchairs. Most people pay a monthly premium for Part B, even if they join a Medicare Advantage plan. Medicare Part D helps pay for prescription drugs. It’s optional, but if you don’t enroll when you’re first eligible, you may pay a late‑enrollment penalty later. Contact us today for a no‑cost Medicare review to help compare your options.
Dual Special Needs
A Dual Eligible Special Needs Plan (D‑SNP) is for people who qualify for both Medicare and Medicaid. It combines Medicare and Medicaid benefits into one coordinated health plan. With a D‑SNP, many members pay little or nothing for covered medical services. How much Medicaid helps pay depends on your income, resources, and other factors. People who have full Medicaid benefits may be able to enroll in this type of plan. Contact us today for a no‑cost review to see if a D‑SNP plan may be right for you.
Supplemental Plans
We offer a variety of supplemental insurance plans to help when unexpected health issues come up. The right supplemental coverage can help protect you from high out‑of‑pocket medical costs. Our experienced team will help you choose plans that fit your current needs and prepare for the future. Supplemental (also called “ancillary”) benefits can be an affordable way to add extra protection on top of your main health insurance. Types of supplemental protection we offer include dental insurance, vision plans, cancer plans, critical illness plans, life insurance, hospital indemnity, accident plans, and travel insurance. Contact us today for a no‑cost consultation to review which supplemental options may be right for you.
Integrated Strategies for Workplace Wellbeing
We specialize in managing onsite health and wellness solutions that seamlessly blend life and accident insurance with proactive care. By focusing on individual security and collective wellbeing, we help foster environments where financial safety and physical health are treated as one single, vital priority.
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