Maryland Health Insurance

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Health insurance has become nothing less than one of the most painfully expensive financial necessities facing every individual and family in the United States. Simply put, life is hazardous, and everyone needs to have this protection. Quality health care is essential, but how can we afford it?

What Can Be Done?

We can quote every available plan in Maryland, but more importantly, we can provide guidance and sensible advice in structuring an affordable plan that will prevent an unexpected illness or injury from becoming a financial disaster.

Be sure to consider establishing a Health Savings Account (HSA). It will create numerous tax advantages while providing a significantly lower cost alternative to funding quality health care. We can provide easy online banking resources and HSA compatible products to accomplish this end.

Whether you are in the market for individual health insurance, or you need help finding a good           Medicare Supplement policy, feel free to shop health plans, compare prices and apply on line.

But please remember, we are also available to personally help develop a creative program designed to provide the necessary health insurance coverage at a price you can afford.

Impact of the Affordable Care Act (ACA)

Due to the implementation of Affordable Care Act (known by some as Obama-care), you are required to purchase health insurance or pay a tax penalty to opt out. You can purchase this coverage on your own or through a broker, or from your employer (if it's offered.)

The cost and scope of protection provided by your health insurance policy will depend on your insurance provider, policy type, and whether or not you qualify for a subsidy based on your household size and income. Lastly, the ACA, states that "you cannot be denied coverage or charged a higher premium due a pre-existing health condition."

If you qualify for a subsidy, you must go through the Maryland Health Exchange site. To clearly understand the nuances and options available within the various health plans offered, professional help from a qualified broker is recommended. The pricing is the same whether you take advantage of the help and guidance of a broker, or try to navigate he various plan offerings yourself.

Jim Furst is available to discuss your needs and make recommendations.

Affordable Maryland Individual Dental Insurance

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Individual and Group Dental plans are now available beginning at about $12. per month. Unlike most traditional insurance plans, pre-existing conditions are covered!

Using one of the available dental programs will result in significant savings. It's been our experience that the savings derived from preventive services alone will more than pay the annual premium cost.

Because we have a large number of carriers, your dentist may very likely participate in at least one plan. If you can't find the dentist you are looking for please call us; I may be able to find him or her among several alternative plans that have not yet been listed.