We can help you find an affordable plan through the open market or the Federal Exchange, and
there is never a fee for our service.
- We are ACA Certified – We can help you with qualifying for the tax subsidy.
- As your advisor, we will present all possible scenarios to help you make an informed decision
- Easy enrollment and continued support when you need it, throughout the plan year
Missed The Deadline?
To enroll for health insurance outside of the open enrollment period, you will need to list a qualifying event to be eligible. Click here for more details.
Do You Qualify For The Subsidy?
To receive the subsidy, the carrier you select below will direct you to the Exchange to secure your tax credit. Please use the following information when listing us as your agent. I.D.: CastleGroup, NPN: #1486813
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*Information contained within is not a solicitation or offering of insurance and may contain inaccuracies. Please refer to your benefit certificate for specific limitations and exclusions. Offerings of insurance are made based only on submitted applications.
About Insurance Products
Examples of some popular supplemental coverage individuals may choose to purchase are:
-Dental or Vision Insurance
-Accident & Dismemberment
A Health Maintenance Organization or HMO health plan requires you to appoint a primary care physician and to use doctors and facilities that are affiliated with the HMO. If you use healthcare service providers outside of the HMO, there is a good chance those charges won’t be covered by your policy. The great thing about an HMO is that the only charges you incur, outside of your premiums, are co-pays for doctor’s visits and other services such as procedures and prescriptions.
A Preferred Provider Organization or PPO will save you money on services if you use the preferred providers within the network. Keep in mind that deductibles must be met on this plan before some services will be covered. The good thing about a PPO is they generally will allow a certain amount of services annually outside of the deductible with a small co-pay, and most often the PPO has a large network with quality care providers and excellent prescription drug coverage.
Catastrophic Plans are great for those healthy individuals who do not expect to need medical care throughout the year, other than routine preventative care (generally available for under age 30). Note catastrophic plans may or may not contain the essential benefits required by the ACA to avoid penalty.
Dental and Vision
Individual and family dental plans or policies are relatively inexpensive but can go a long way in promoting your overall health. Studies have shown that regular dental exams can not only optimize oral health to prevent cavities and bad breath, they also detect serious medical conditions such as heart disease and diabetes. Some studies have even shown that people who have dental insurance suffer less from depression, than those who do not have coverage.
Dental plans can range from a PPO or HMO to Pre-Paid, Fee-for-Service, and Discount on a variety of diagnostic and preventative care services including cleanings, exams, x-rays, fillings, orthodontia for children, and emergency care while traveling.
Individual Vision Plans
Take care of your eyes with an individual vision plan that can be purchased separately or combined with your major medical insurance. Similar to individual dental policies, vision plans are inexpensive and save money on routine exams, eyeglass frames and lenses, contacts, and even discounts on procedures like LASIK. Monitoring your eye health with regular exams also helps to prevent serious eye diseases like glaucoma and cataracts and also helps to detect early stages of diabetes, high blood pressure, and high cholesterol.
BASIC TYPES OF LIFE INSURANCE
Cash Value: This type of life insurance policy builds up a cash value that has many benefits to the insured, such as borrowing against the policy or building a tax deferred investment income, in addition to paying a death benefit. Whole life, variable life and universal life are all types of cash value life insurance. Cash value insurance is also known as permanent life insurance because it provides coverage for the policyholder’s entire life.
Term Life Policy: This type of coverage does not build cash or investment value. Term life insurance covers you for a set period of time provided you pay the monthly premium, or in some instances, a lump sum in advance. The policy will pay to the named beneficiary the face amount of the policy (set benefit and/or lump sum) upon death of the insured within the stated term. Depending on the policy, it may also make payments upon terminal or critical illness.
Whole Life Policy: This type of coverage combines term life coverage with an investment fund, and as long as you pay your premiums you are covered for life. Part of your premium goes towards the term part that pays a fixed benefit upon your death, and part of your premium goes toward building taxed deferred cash value that you can borrow against. Some whole life policies offer plans in which you can pay a higher premium for a shorter, fixed period of time, such as 20 years, vs. your whole life.
Universal Life Policy: This type of policy combines term insurance with an interest earning money market account. It has flexible terms that let you adjust your payment or coverage amount. Because this account incurs expense charges, you will need to adjust accordingly to make sure your coverage stays active, in the event that the amount in your account becomes insufficient to meet premium payments. You also have the option of building more cash value by paying premiums even when your account has ample funds to cover them.
Variable Life Policy: With this type of coverage, the death benefits for the life insurance policy are based upon how well the investment account it is tied to is performing (stocks, bonds or mutual funds). Higher performance yields higher benefits, wherein poor performance will yield lower or no benefits at all. Some policies offer a separate or extra premium for a set amount to be paid upon death of the insured.
Life Insurance can be complex. We recommend you call us for more details.
Short and Long Term Disability
While you are in your working years, your most valuable asset is your ability to earn a living. However, statistics show that our chances are greater of becoming disabled than dying between the ages of 25 & 45.
During the time you are unable to work due to a qualifying disability (illness or injury), the replacement of your regular income through the monthly benefit provided by disability insurance helps to maintain your pre-disability lifestyle. Workplaces often provide standard short-term disability (STD) and long-term disability (LTD) insurance to meet federal guidelines. Individual disability income insurance can be customized to meet your needs and considers your occupation, age, income and other factors in determining your cost and monthly benefit payment amount.
Individuals not offered disability through their employer and self-employed individuals who desire disability coverage, can purchase policies.
Those who have disability insurance through their workplace, may wish to consider a “wrap around” disability policy to supplement their employer provided coverage.
STD generally allows for income payments to begin after about a two-week waiting period and will continue to pay until he/she recovers or maxes out the benefits–usually anywhere between one month to two years, depending on the policy.
LTD generally allows for income payments to begin after about a 90-day waiting period, although it could be much longer depending on the policy, but will continue to pay far longer than STD–for a few years, up to age 65, or even for life.
Long Term Care
Personal care helps maintain the daily activities and functions of life.
Long-term care is usually not medical care and generally does not require a doctor or a nurse. The need for LTC is not always age related. Although more than half of all individuals age 65 & over will need LTC at some point, it is important to note that roughly 40% of those receiving LTC today are between the ages of 18 and 64. It is never too early to plan for long-term care.
Long-Term Care services generally are not covered, or covered only minimally, by health insurance, Medicare or Medicaid. The cost of LTC can quickly drain even a large estate and burden those closest to you both financially and emotionally. Long-Term Care insurance can avoid those difficult situations, as well as enabling you to maintain control of your care and your choice of the facilities that best suit your needs, instead of allowing welfare or the government to make your LTC decisions for you. You should be aware that Disability Income Insurance is not designed to cover LTC expenses, but simply replaces part or all of your income during your working years should you become disabled. You need specific coverage to pay for long-term care needs.
Here are examples of what LTC policies may cover:
Institutional Care: Nursing home, assisted living services residential care facility, hospice care, adult foster home, respite care and more.
Home Care: Home health care, adult day care, personal care, homemaker services, hospice care, respite care and more.
What You Need To Know About Healthcare Reform
Before You Buy
With the implementation of the Affordable Care Act, following are important changes affecting how you may purchase your health benefits for you and your family.
Open Enrollment. There is an open enrollment period for the Individual insurance market, meaning you can only purchase health insurance during this enrollment period. Note: You can still purchase non-medical benefits, such as dental, life or disability year round.
Dependent Children. Under the new rules of the ACA, you can now add your dependent children up to age 26 on your policy.
No pre-existing condition clause. It is illegal to be turned down or quoted different rates than anyone else because of a pre-existing condition.
Tax penalty. You may be fined a tax penalty for not complying with the requirements of the ACA. Individuals must now obtain qualifying coverage (minimal essential benefits), either through an individual policy or through their employer, or face a potential penalty.
Premium discount. There is a tax subsidy (premium discount) available through the Federal Exchange. Families earning up to $94,000 per household (this is about 400% of the poverty level) can qualify. We suggest you use our Individual Subsidy Calculator to see if you qualify. If you don’t qualify for a subsidy, then it is likely there is a less expense plan that is better suited to your needs through the open market