Health InsuranceUnderstanding health insurance, whether for groups or individuals, can be a challenge in today’s ever-evolving marketplace. The good news? We’ve been doing this for nearly 100 years. We’re accustomed to change and challenge. The health insurance professionals at Heacock know the ins and outs of coverage, as well as the insurance marketplace. That knowledge enables them to assess your unique circumstances and determine the best possible health insurance solution for your family or business.
Protection. It's our Policy.
Purchased by an employer and offered to eligible participants, this type of plan provides employer-sponsored health insurance coverage by spreading risk over the company. There are many options to choose from, such as PPO, HMO, HSA-qualified and HRA-qualified plans. Our experienced agents can provide guidance regarding your various options and help you secure the option that works best for your company.
For those enrolled in Medicare Part A & B, a Medicare Supplement policy can help pay some of the healthcare costs that Medicare doesn’t cover, such as deductibles, coinsurance, and copays. Let our Medicare specialists help you navigate your options and find the plan that fits your medical and financial needs. New to Medicare? Contact us for our free brochure, “Medicare Made Clear.” Better yet, we will be happy to meet with you one-on-one and answer all your Medicare questions.
Known as an individual health plan. Currently we offer Short-Term non ACA compliant Plans for individuals under 65.
These plans are offered by a private company that contracts with Medicare to provide all Part A and Part B benefits with lower or even $0 monthly premiums and a maximum annual out-of-pocket cost, which provides predictability when it comes to the member’s cost share.
These plans are network driven with local access to a broad group of doctors, hospitals, pharmacies and other providers. They usually include prescription drug coverage, dental, vision, hearing, foot care, over-the-counter health products and a fitness program to help you live a healthier life.
Every year there is a nation-wide open enrollment for Part D from October 15-December 7, and it’s not unusual to have between 20 and 30 plans from which to choose. Let the experienced and knowledgeable professionals at Heacock help you find the plan that is right for you, one that is based on your current prescription needs. Because carriers are constantly changing the list of prescriptions they cover, as well as their prices, it’s important to shop this coverage every year! We can give you peace of mind that you have the best plan for your circumstances.
Because we’re independent, our allegiance is to YOU – the customer, not a single carrier. We search the market to provide our customers with coverage that matches their needs at the best possible price.