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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.
