Insurance Plans

Every Coverage Type, One Trusted Agency

Browse the plan categories we work with, then talk to a licensed advisor to compare carriers side-by-side for your situation.

POLICY CATALOG

Six policy families.
Every component on the table.

We treat each insurance plan like a precision product. Cross-sections, spec sheets, exploded views. Read what's actually inside before you commit to anything.

01

Health Insurance

ACA, PPO, HMO, EPO, HDHP. We disassemble every plan tier and chart every coverage layer — preventive, primary, specialist, ER, mental health, prescriptions.

POLICY TYPES
ACA · PPO · HMO · HDHP · EPO
DEDUCTIBLE RANGE
$0 – $9,200
FORMULARY TIERS
4 – 6 indexed
Read the breakdown →
02

Dental Insurance

Preventive, basic restorative, major. Annual maximums, waiting periods, in-network percentages — exposed and compared across every plan we review.

WAITING PERIODS
0 – 12 mo
ANNUAL MAX
$750 – $5,000
ORTHODONTIA
Tier-dependent
Read the breakdown →
03

Vision Insurance

Exam allowances, frame credits, contact lens budgets, LASIK discounts. Every benefit decomposed to a dollar amount and a frequency.

EXAM FREQUENCY
12 – 24 mo
FRAME ALLOWANCE
$130 – $250
LASIK DISCOUNT
10 – 25%
Read the breakdown →
04

Supplemental Insurance

Critical illness, accident, hospital indemnity, short-term disability. We map exactly what triggers a payout — and exactly what doesn't.

PAYOUT TRIGGERS
Itemized per plan
EXCLUSIONS
Charted, not hidden
BENEFIT CAP
$5K – $100K
Read the breakdown →
05

Family Policies

Maternity, pediatric, dependent rules, family deductibles. One household, one policy diagram — every member's coverage in a single view.

DEPENDENT AGE
Up to 26
MATERNITY
Always covered (ACA)
FAMILY DEDUCTIBLE
2 – 3× individual
Read the breakdown →
06

Group / Small Business

Group health, dental, vision, life, disability, Section 125. We chart what each plan does to your payroll, your taxes, and your team's coverage.

ELIGIBLE SIZE
2 – 200 employees
FUNDING MODEL
Fully · Level · Self
SECTION 125
Set up at $0
Read the breakdown →
ENGAGEMENT FORMATS

How we deliver
the breakdown.

Three formats, one method. Every engagement starts with the question, ends with a drawing you can act on, and costs you nothing unless you enroll.

FORMAT 01

Individual Brief

A focused breakdown of one health policy you're considering. Premium math, deductible mechanics, network coverage, formulary check.

  • +Single-policy analysis
  • +Network match against your providers
  • +Formulary check on your prescriptions
  • +Plain-English SBC translation
  • +Delivered in 24 hours
Request brief
FORMAT 02MOST CHOSEN

Comparison Report

Three to five plans laid out side-by-side. Every component charted, every difference visible. The full engineering drawing.

  • +3–5 policies, fully decomposed
  • +Side-by-side spec table
  • +Annualized cost projection
  • +Coverage gap analysis
  • +Dedicated analyst, 24h turnaround
Most chosen
FORMAT 03

Group Build

Custom group benefits design for 2–200 employees. Plan stack, payroll math, Section 125 setup, employee enrollment package.

  • +Group health + dental + vision
  • +Life and disability layers
  • +Section 125 cafeteria plan
  • +Payroll & tax projection
  • +End-to-end enrollment support
Request consultation