Welcome

(800) 724-5753 (775) 332-2905

terry@sheproinsurance.com

Individual Health Insurance Quotes      Short Term Medical Plans

Instant Term Quote and Online Application 

International Medical and Accident - Insurance, Instant Coverage, covers acts of terrorism in most cases.

Trip Cancellation Insurance - Instant Coverage

Regence Blue Cross and Blue Shield Utah

American Medical Security - Utah

Value Med - limited benefit medical plan.

Value ER - $1,000 Emergency Room benefit two times a year.

24 Hour Accident Plans - Pays up to $10,000 per accident, $24.95 to $54.95 per month.

Discount Dental Plans - No waiting period. $99.95 per year Family Plan: $149.95 per year

Rx Plan Description and Quote

Life Insurance - BUYERS GUIDE

Please click on the Quote Forms link and complete the short information form if you need a quote on

• Long Term Disability,
• Short Term Disability or
• Permanent Life Insurance, (Whole Life or Universal Life). If you aren't sure what type of life insurance will best suit your needs, call me, (775) 332-2905, for a free consultation.

Why have a group plan?

• All groups of two to 50 full time employees are guaranteed issue and the group must be accepted.
• No medical conditions can be excluded from coverage.

Will an individual plan be better for your small business?

• Groups of 2 to 5 employees covered by group plans are generally penalized because of their size.
• Rate increases for group plans can be based on plan usage by the group. This is never the case for individual plans.
• Although individual plans are less expensive, coverage can be denied for employees with medical conditions.

Types of group plans:

• PPO Plans (preferred provider organization)

Advantages:

• Co-pays for some services such as doctor's visits and prescription drugs.
• Discounts for using doctors and facilities on provider list.
• No balance billing allowed, (the doctor can't require the customer to pay the difference between the discounted PPO payment and the original charge).
• Some benefits for doctors not on the provider list.

Disadvantages:

• If the customer uses a non-preferred facility or hospital the deductible and out of pocket limit normally doubles.
• The provider can bill for the balance not covered by insurance.

• HMO Plans (Health Maintainance Organization)

Advantages:

• No deductibles.
• Co-pays only for benefits by providers on the HMO list.

Disadvantages:

• Generally, no benefits paid to providers not on the HMO list except in case of an emergency.

• HSA Plans (High Deductible Health Plans)

Advantages:

• Tax deductible Health Savings Account can be setup to pay for medical expenses, even some not covered by insurance.
• Expenses generally covered at 100% in network once the plan deductible is met.

Disadvantages:

• No benefits are paid by the insurance company until your deductible has been met.
• The family deductible is double the individual deductible.

If you want quotes for group medical plans, group life, disability or dental plans, please complete the short census form by clicking on the link below and fax to (775) 332-2906. A competitive quote will be delivered to you as soon as possible. Group quotes generally require four or five business days.

Need a Form For Your Group Coverage:

• Group Census Form
• Anthem Small Group Plan Summaries, Forms, PPO Provider Search, etc
• Anthem Employee Enrollment/ Change Form
• Anthem COBRA or State Continuation Form
• Humana Dental Employee Application
• John Alden Employee Enrollment
• St. Mary's Employee Enrollment
• St. Mary's Waiver Form

SENIORS:

• Long Term Care, all available companies and plans quoted.
• Annuities, fixed rate and Equity Indexed Annuities.
• Medicare Advantage Plans, $0 monthly premium for HMO, PPO and PFFS plans. 
• Medicare Supplement plans "A" through "G" for Nevada, Call (775) 332-2905 for rates .
• Apply online and get rates for Plans in Utah