Individual & Family Health

Modern Insurance Marketing, Inc. offers a broad selection of individual and family health insurance plans specifically tailored to those not covered by employer groups or organizations. Less expensive plans may provide coverage in case of a major accident or illness, while other plans may provide comprehensive coverage for all your healthcare needs.

Dental Insurance

Dental Insurance is available to individuals and families that are not covered on group dental insurance. For people without dental insurance, cost often stands in the way of getting the care they need to maintain the health of their teeth and gums. Even for routine preventive care, a trip to the dentist's office could mean a substantial amount of money out of your pocket.

A Traditional Indemnity plan allows you to see any dentist you wish. However, this plan typically imposes 6- to 12-month waiting periods for some services. This is not the best plan for an individual who needs comprehensive coverage within the first 12 months. However, if dental coverage is desired for a long period of time, and there is no rush to receive the major benefits, this plan may work for you.

Individual Health

Individual health insurance programs are designed for individuals and families who cannot obtain health insurance through an employer. Due to the continually rising cost of medical care, it has become more important to provide health insurance for you and your families. Modern Insurance Marketing, Inc. offers health insurance programs to individuals which offer extensive coverage as well as high-deductible programs which are designed to protect against catastrophic financial losses.

As an independent agency, Modern Insurance Marketing, Inc. can provide insurance plans from numerous health insurance companies. With the health insurance market changing frequently, we are always on the lookout for quality, service-oriented insurance companies for our clients.

Short Term

Designed for people who need quick temporary insurance for less than a six month period. These plans provide major medical coverage for injuries and sudden illnesses. Ideal for people who are between jobs, laid off, waiting to be covered by a group or long term individual plan, recent graduates or any situation that presents a need for temporary medical insurance.

Traditional Indemnity

This style of plan offers you complete freedom to select the doctor of your choice. These plans are typically more expensive than other individual medical plans since they do not have any cost control features.

PPO

Preferred Provider Organization is a network of doctors and hospitals that have contractually agreed-upon a fee schedule for their services, which are generally less than their customary charges. PPO's allow you the freedom to select any participating physician from the network of providers.

HMO

Health Maintenance Organization is a network of doctors and hospitals that provide health care services on a prepaid basis. An HMO member usually must select a primary care physician (PCP) who oversees all of the individuals health care services including referrals to a specialist. This increased control allows HMO's to offer their members nominal copays.

International Major Medical - Travel Insurance

Designed for both United States citizens traveling or living abroad and foreign nationals traveling or living in the United States. Protect yourself and your families physical and financial well-being with an international major medical plan when you travel abroad. Simply click on the banner below for a quote.

Health Savings Accounts (HSA)

A Health Savings Account (HSA) helps you save money on health care. By making you a part of the medical services decision process, HSAs are designed to help you manage medical expenses and reduce the continuing raising of health care expenses. Equally as important, the money you save remains part of your retirement account, even if you leave your present employer. You can also save the money in your account and grow your account through investment earnings. Funds in the account can grow tax-free through investment earnings, just like an IRA In short, if you don’t use all the money in your HSA for medical expenses, it can accumulate as tax-free savings for your retirement. One final benefit, HSAs can pay for many more procedures than were ever allowed before by government sponsored programs. Health Savings Accounts help you save money on unavoidable expenses and build investment savings for your retirement.

Account funds are used to cover medical expenses before the plan deductible has been met. Unspent account balances accumulate and accrue interest from year-to-year. Unlike amounts in Flexible Spending Accounts that are forfeited if not used by the end of the year, unused funds remain available for use in later years. Once the health plan’s annual deductible has been met, coverage resembles conventional insurance, typically in the form of a preferred provider organization (PPO) with little-to-no cost sharing for in-network services, and limits on total out-of-pocket costs.