Life is Precious
Better Insure It!A single point of contact for all your insurance needs and support. Available 365 days a year to you. Helping individuals, couples and families age with options is what we do best. Failing to plan for a medical emergency or unexpected death is planning to fail. This impacts the entire mission. Let’s strategize a plan for your individual and family needs today!
We understand how critical peace of mind is to you. There should be no unexpected surprises after purchasing an insurance policy and we agree. Rest assured that once your policies are in force with us, your exclusive broker and policy benefits will take care of the rest. Keep the focus on living your best life and the leave the insurance up to us.
INSURANCE SOLUTIONS
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Affordable Care Act (ACA)
Open Enrollment begins November 1st, through December 15th. Due to COVID-19, Open Enrollment has been extended until August 15th. The ACA can be a great option for those with low income, preexisting conditions, starting a family or have been recommended for surgery or seeking treatment for a lingering ailment or condition. Our insurance strategists will make sure all your doctors and medications are covered before discussing any specific plans with you.
Dental Plans
With many great dental options to choose from, we have got you covered. From preventative services like cleanings and teeth whitening to comprehensive care like root canals and crowns, we will help you determine which dental option is best for you. Most of our plans get better each year covering 60-80% of the costs and provide benefits from $2,000-$5,000 annually. At Better Insure It, we make it your choice. Choose from one of our many dental carriers today.
Critical Illness Plans
Critical illness plans pay a cash lump sum benefit if ever diagnosed with a first time critical, chronic, or terminal illness. This benefit can be anywhere from $1,000 to $100,000. Use this cash lump sum to pay your medical plan’s deductible, mortgage/rent, utility bills and more. With Critical Illness insurance you can focus on your recovery without the financial stress. Also, these plans have no co-pays or networks to stay within, but waiting periods may apply i.e., 30-90 days.
Living Benefits Plans
Did you know Life Insurance can do more than pay a death benefit to a loved one? At Better Insure It all our Life carriers have Living Benefits built into each policy at no additional cost to our clients. If ever diagnosed with a first time critical, chronic, or terminal illness we will help you accelerate a portion of your death benefits tax free while you are still alive to help cover unexpected medical expenses, protect your quality of life and minimize your financial stress.
Vision
Vision is vital to optimal health, yet it is often overlooked. Just imagine how different life would be with limited or no vision. Better Insure It takes your Vision needs to heart and will keep your vision safe while protecting your overall health & wealth. Our plans provide coverage on day one for exams and materials. We only appoint with the largest networks in the nation. There are no waiting periods for exams, lenses and frames and no enrollment fees for vision plans either.
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Fixed Indemnity Plans
Fixed Indemnity plans have zero deductibles, zero coinsurance, and zero copays. They provide fixed benefits i.e., $100 towards an office visit, $75 towards each prescription drug refill, or $3,000 towards an outpatient surgery. These types of plans cost less than Major Medical Insurance because they provide limited benefits. These plans pair well with our Short Term Medical plans as an additional layer of protection and should not be a substitute for comprehensive coverage.
Short Term Medical Plans
If you do not qualify for an Affordable Care Act (ACA) subsidy, missed the ACA Open Enrollment period and do not qualify for a Special Enrollment Period, are healthy with no preexisting conditions, coming off your parent’s insurance, waiting for employer benefits to begin, turning 65 this year and looking for coverage to bridge the gap to Medicare or tired of overpaying for coverage you do not use, then you would be a great candidate for a short term medical plan.
Accident Medical Expense (AME)
If your health insurance plan has a high deductible, you need a policy like Accident Medical Expense protection to help eliminate that high deductible in an emergency. Like Critical Illness plans, AME pays out a cash lump sum for all out of pocket medical expenses incurred from an injury like slips, trips, dislocations, fractures, burns, lacerations and more. AME plans also offer an accidental death benefit to match the Accident benefit and ranges from $2,500 up to $50,000.
Short & Long Term Disability
Health Insurance protects your health. Disability insurance protects your wealth. Without income, how can you pay for your health insurance and other obligations? Your ability to earn income is your greatest asset and is crucial to any financial plan. The benefit payment from a private disability policy is tax-free and pays out for the specific period outlined in your policy. If you do not receive employer benefits, you should consider a disability policy in addition to health insurance.
Why Better Insure It?
We understand the most important aspects of life are family, quality of life and income. That is why we are a multigenerational full service provider for all individual, family, and business needs. We are closing the gap between plan quality, utilization, and cost.
Value
Your needs will always come first! Exceeding your expectations is our standard and has helped us become one of the fastest growing independent brokerages in the nation.
education
We will teach you strategies to save money without compromising your peace of mind.
Expertise
See exactly where and by how much you have been overpaying for insurance when we analyze your current coverage and perform an updated needs analysis.