health insurance

Individual Insurance

Health Insurance

Open enrollment takes place between November 1 and January 31. If you have a qualifying event (marriage, birth of a child, loss of coverage, or an income status change) you could still qualify for coverage.

Health insurance is required by law | The Affordable Care Act can be very confusing. Make sure you know all your options before making a decision for you and your family. We can help you find the coverage that is truly best for you.

Some of the plan options available are:

HMO (Health Maintenance Organization) | An HMO requires that you use in-network providers to receive benefits.

PPO (Preferred Provider Organization) | In a PPO, you do not need to select a primary care physician. You may choose to see a provider in or out of network, but your in-network benefit will be better.

POS (Point Of Service) | POS plans require that you have an in-network provider designated as your primary care physician. You can use out-of-network providers, but you may need a referral and your out of pocket costs may be higher.

HSA (Health Savings Account) Qualified High Deductible Health Plan (HDHP) | Premiums for HSA HDHP plans are lower, but you pay all of your health care costs until you reach your deductible.

Contact one of our health insurance experts TODAY!

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Companies we work with for Individual Health Plans: 

Dean Health Plan 

network health 

WPS Health Insurance 

Unity Health Insurance 

Arise Health Plan 

 Common Ground Healthcare Cooperative 

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Medicare & Medicare Supplements

Whether you are eligible for Medicare now or are planning for retirement, we can help you understand your options. There are four parts within Medicare:

Medicare Part A & B (Original Medicare)

  • Medicare Part A covers hospital expenses. If you or your spouse paid Medicare taxes while working, there is no monthly premium.
  • Part B covers medical expenses outside of the hospital. Most people will pay a standard premium for this coverage.

Medicare Part C (Medicare Advantage)

  • Includes all of your Medicare Part A & B coverage and sometimes additional coverage. Additional coverages may include prescriptions, vision, hearing, and/or dental.
  • Medicare Advantage plans are administered by private insurance companies.
  • Depending on the plan, there may or may not be a monthly premium.
  • Can be purchased through Richards Benefits & Financial Services. 

Medicare Part D (Prescription Drug Plan)

  • Adds drug coverage to the original Medicare (Part A & B).
  • Cannot be purchased with a Medicare Part C (Advantage) plan.
  • Can be purchased through Richards Benefits & Financial Services. 

Medicare Supplement Insurance (Medigap)

  • You must have Medicare A & B to get a Medicare Supplement.
  • Monthly premiums are paid for Part B and the Medicare Supplement.
  • Policies only cover one person.
  • Does not cover prescriptions. 
  • Medigap plans are administered by private insurance companies. 
  • Can be purchased through Richards Benefits & Financial Services.

Learn more about Medicare Parts A, B, C & D and Medigap at medicare.gov or contact Richards Benefits & Financial Services to go over your options.

Disability Insurance

Disability insurance is protection for your income. Individual Short Term Disability provides you with a benefit to help pay for every day expenses if you are unable to work due to a covered disability such as an injured back, recovery from surgery, or even maternity. Oftentimes, this benefit is provided by your employer. If not, you may want to consider an individual policy.

Contact us to discuss your options.

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