S.B.I.S

"The Best Policy Is A Great Agent"

Small Business Insurance Services  Traditional & Tax Qualified Health Insurance

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Individual Health Plans From:


Small Group Health Plans From:

Consumer Reports Article 04/06/2009
"7 Signs A Health Plan Might Be Junk"

Beware Of Discount  "Health Plans"

Tips for finding Health Insurance when you've lost your job.

Guaranteed Issue Defined Benefit Health Insurance: Lots of Limitations!

Fed Allows 65% Cobra Premium Reduction For 9 Months! What Do You Do After the "Cobra Stimulus" Ends?

New PPACA Health Care Reform Law Extends coverage to your dependant child up to age 26 (or 30). They no longer need to be attending college.

Ten Questions To Ask Your Agent BEFORE You Buy Health Insurance

What The Heck Is Consumer Driven Health Insurance? Can It Really Save You Money AND Lower Your Taxes?

If You Purchased Health Insurance From Mega Life & Health or Midwest National Life Through The National Association For The Self Employed (NASE) You Need To Know The Truth!
 

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Health Insurance Radio Commercial

 


Small Business Insurance Services Inc.
is a Brokerage firm that has no allegiance to any insurance company. Our agents are also multi state licensed. We shop all major carriers for you so you always get the BEST
plan at the LOWEST price. Each plan can be customized to fit your specific needs and budget. There are multiple ways for consumers to  purchase Health Insurance. However, the best way is to use an experienced Broker. Most especially since it costs NOTHING extra do so. This being the case, why not tap in to our expertise? If you prefer you can call us toll free @ (866) 724 7123 for a free no obligation Health Insurance telephone consultation from one of our multi-state licensed Brokers. Or, you can click on the link below and begin comparing plans by price and plan design. Unlike other Health Insurance sites, we will not call you unless you specifically request that we do. This being the case, please feel free to shop at your convenience. You do not need to enter your phone number to use our quoting engine. Once you decide on a plan you like, you can apply for coverage by clicking the "apply now" links on the detail page of each of the products listed. If you are interested in a particular carrier's product just scroll down this page for specific plan details from each carrier that we represent.

To help you decide on the best plan for you please review the Ten Questions You Should Ask Your Agent before you purchase a health insurance policy. With health insurance in particular it is more important to know what your plan does not cover than what it does! If you have been labeled "uninsurable" from an individual health insurance company please click here for legitimate health insurance alternatives. For specific plan details from each carrier we represent please click on each carriers logo below.

If you've been labeled as "uninsurable" by a health insurance carrier and your State High Risk Pool is too expensive. You may want to consider a Limited Indemnity Health Insurance policy. It's very reasonably priced and you can not be denied coverage. It covers a lot more than you may think. For more details click below:



If you're over 65 or nearing that age and are looking for information and multiple free quotes on plans that will cover your Medicare deductibles and other out of pocket expenses. Please visit our Medicare Supplement page.

Since many consumers are now choosing HSA (Health Savings Account) qualified HDHP's (High Deductible Health Plans it makes great sense to purchase a Supplemental Accident Plan so that you receive a cash payment ($5,000, $7,500 or $10,000) each and every time any member of your family suffers from an accidental injury (cuts, breaks, sprains, bruises etc) to help you pay your health plan deductible. The very best designed and lowest priced Supplemental Accident plan is available through WBA (Wholesale Benefits Association). Their plan is even cheaper when you pay the annual premium up front. If so, WBA will waive a month of your annual premium. They even include optional disability coverage which will pay you up to
$500 per week, for 52 weeks. Since many self employed consumers do not have ANY disability coverage, this is a great option to consider adding. Find our more information and apply online by clicking the "LEARN MORE!" button below:

Since accidental injuries are far more likely to occur than major medical illnesses (most especially when you have active children) many families are choosing to purchase supplemental accident expense plans. These plans pay you a cash benefit of $2,500, $5,000, $7,500 or $10,000 when an accidental injury occurs. This cash can then be used to pay your health insurance plan deductible. Supplemental Accident Expense plans are also a great way to save money because you can choose a higher deductible than you would normally choose knowing that you will not have to pay that deductible if an accidental injury occurs to any member of your family.


 

Supplemental Accident Expense plans can also be coupled with Critical Illness plans. In fact, Supplemental Accident Expense plans are often cheaper when coupled with Critical Illness plans. Why consider Critical Illness coverage?

Approximately 1.2 MILLION people suffer heart attacks each year. Approximately 780,000 people suffer strokes each year. More than 1.4 MILLION new cancer cases were estimated for diagnosis in 2007 alone. Between 1994 and 2004, the death rate declined approximately 31% for heart attacks and almost 24% for strokes. (Source: American Heart Association, Heart and Stroke Statistical Update, 2008.) The possibility of surviving a Critical Illness before age 65 is almost twice as great as dying. (Source: National Center for Health Statistics.)

WOULDN’T A CHECK BE BETTER THAN A GET WELL CARD? Critical Illness benefits are paid directly to you. You choose how to spend the benefit at a time when you and your family may need extra cash the most. For example:

  •  Home Health Care
  •  Cost of Caregivers
  •  Lost Income of Self or Spouse
  •  Daily Living Expenses
  •  Co Pays, Deductibles & Co-Insurance
  •  Non -Covered "Experimental Treatments
  •  Housekeeping or Child Care Expense
  •  Maintenance of Your Family's Quality of Life

American Financial Resources Inc. (www.gafri.com) A subsidiary of American Financial Group Inc. (www.afginc.com) has introduced a new Supplement Accident Expense plan that also includes Critical Illness coverage and it's extremely well priced. Adding this product to any health insurance plan would not only alleviate the worry of paying your health plan deductible if you or a family member where to suffer an accidental injury but it will also provide you a much larger cash benefit (up to $50,000) if you or a family member where to contract a critical illnesses such as life threatening Cancer, Stroke, Kidney failure, Major Organ Transplant, Muscular Dystrophy, Multiple Sclerosis or if you suffer a Heart Attack.  For more information about this unique and affordable plan click the brochure below. For a free quote, please contact us and we will send you quotes via email. Or call us toll free @ (866) 724 7123.



Contact Us today for a free no obligation quote customized for your personal or small business needs.

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