Individual Health, obamacare - Marketplace plans
We have helped hundreds of individuals with their Individual Health Insurance needs. For most people going it alone can be a confusing process so we work with you to make it easy. Individual health insurance can be written directly with the companies or through the government's Marketplace website. We can help you with either approach – we’ll discuss all the available plans, the cost and benefits and help you through the online application process. Ask us your questions so you know exactly what your buying and the coverage you can expect. This has been a constantly changing environment but we are here year after year to help you through it. We write directly for Blue Cross Blue Shield and Priority Health. Both of these companies offer plans that we can help you with. If you’re going to the Marketplace website just call us and we can walk you through it as well.
short-term health plans
If you are not currently eligible for an individual plan you may be in need of a Short-Term Health Plan. Don’t go without health insurance. These plans offer catastrophic coverage with reasonable premiums. We have access to several different plans that can bridge the gap until your eligibility changes. Just call us to discuss the options.
travel health insurance plans
Traveling outside the United States can have its own health care concerns. We can review your existing plan and discuss how the coverage works (or doesn’t work) if you are traveling. We have Travel Health Insurance Plans that can fit your need and give you peace of mind while traveling. Just call us to discuss the options.
group health benefit plans
Over the last decade Group Health Insurance has grown into a major business expense – we understand the impact this is having on our customers. Not only is it expensive but it is in a constant state of change requiring more resources to understand the options and make the difficult decisions. Regardless of the size of your group – from two person groups to self-insured plans with hundreds of people – we can help you breakdown the choices and make informed decisions. We have dedicated health insurance professionals that help you decide which program provides the right combination of coverage and premium. Simplifying the choices is a key part of our approach. And equally important, we help you with employee claim issues, questions and benefit meetings. If your suffering from information overload or are finding health insurance taking up to much of your time and resources let us provide you with an alternative. We are happy to come to your business and help make health insurance an easier process.
group life, group voluntary life, group disability
Most businesses owners recognize that providing employees these benefits is one way to attract and maintain an experienced work force. In addition, it fulfills what many believe is a commitment to help employees and their families secure their financial future should an unforeseen accident or illness occur. Employer sponsored benefits are an excellent approach to helping employees meet those needs. Voluntary products can also be offered as many employees will purchase these important voluntary products through their employer while they may not seek that coverage on their own.
We offer a full range of employee benefit products both employer paid and volunteer. We will meet with you and set up an approach to coordinate between employer sponsored benefits and voluntary benefits. We can also meet with your employees to help them understand the benefits you are providing and their options to purchase additional coverage. Alpena Agency has been providing group benefits plans for over 25 years and we can bring our experience to work for you.