Life / Health
Insurance products are some of the most valuable policies we provide to our clients. After the loss of a loved one, business partner, or through the illness of a family member we see these products bring comfort and security to our clients in need. Because it is so important, we have multiple experts on staff who are able to consult with you and your loved ones regarding the proper individual life and health insurance coverage you need.
We have multiple Individual Health Insurance providers that provide the quality coverage you require.
FREE Quote Now
Click on the links below to request a FREE online quote or to shop and apply for coverage.
- Blue Cross - David Kardokus is my Agent
- Blue Cross - Justin Forton is my Agent
- Humana - David Kardokus is my Agent
- Humana - Justin Forton is my Agent
- Community Health Alliance - Justin Forton is my agent (NPN 5963919)
- Community Health Alliance - David Kardokus is my agent (NPN 1678186)
- Life Insurance Quote
We offer these Individual Health Products:
- Health Insurance Marketplace (Guaranteed Issue, NO-Pre-existing conditions, Exclusions, or Riders)
- High Deductible Health Plans
- Health Savings Accounts
- Traditional PPO plans
- … and more
What is the Health Insurance Marketplace?
The Marketplace is a new way to find health coverage that fits your budget and meets your needs. With one application, you can see all your options and enroll.
What you’ll learn when you apply in the Health Insurance Marketplace
When you use the Health Insurance Marketplace, you’ll fill out an application and see all of the health plans available in your area. You’ll find out if you can get lower costs on your monthly premiums for private insurance plans. You’ll learn if you qualify for lower out-of-pocket costs.
The Marketplace will also tell you if you qualify for free or low-cost coverage available through Medicaid or the Children’s Health Insurance Program (CHIP).
The Health Insurance Marketplace is sometimes known as the health insurance “exchange.”
Apply online, by mail, or in-person
You can apply for Marketplace coverage three ways: online, by mail, or in-person with the help of a Navigator or other qualified helper.
Open enrollment starts October 1, 2013. Plans and prices will be available then. Coverage starts as soon as January 1, 2014.
Compare options in the Health Insurance Marketplace
Insurance plans in the Marketplace are offered by private companies (Blue Cross, Humana, CIGNA, and Community Health Alliance, and they cover the same core set of benefits called essential health benefits. No plan can turn you away or charge you more because you have an illness or medical condition. They must cover treatments for these conditions. Plans can’t charge women more than men for the same plan.
The Marketplace simplifies getting health coverage
The Marketplace simplifies your search for health coverage by gathering the options available in your area in one place. You can compare plans based on price, benefits, quality, and other features important to you before you make a choice.
In the Marketplace information about prices and benefits will be written in simple language. You get a clear picture of what premiums you’d pay and what benefits and protections you’d get before you enroll. Compare plans based on what’s important to you, and choose the combination of price and coverage that fits your needs and budget.
Questions? Call 615.791.2500
You can shop online at www.healthcare.gov – Remember that in order for us to provide you with service and advice, you will need to enter our information when asked if you are working with a broker.
Justin Forton – The FFM ID is jforton1975, and the NPN number is 5963919.
David Kardokus – The FFM ID is dkardokus, and the NPN number is 1678186.
Individual Life Insurance Products we provide:
- Term Life – Click Here for Illustrative Rates
- Business Continuity Coverage
- Buy-Sell Coverage
- Key Man Life
- Whole Life
- Universal Life
- Long-Term Disability
- Long-Term Care
We hope you’ll consider joining our family of satisfied customers. For a free consultation, please call us at (615) 790-0990 or Contact Us for more information. Nothing would give us greater pleasure than the opportunity to serve you.