We can help you explore different plan options.
Our services
Group plans
Group insurance plans provide coverage to 2 or more members, normally for companies or organizations. Many don’t ask medical questions in order to start a group plan, but premiums can increase after a few large major medical claims in a year. Plans usually require 70% participation by employees and can be cost-effective for larger groups. Through McGarrity & Associates, employers have access to companies like United HealthCare, Aetna, Humana, and more.
Dental and vision plans
Dental coverage generally immediately covers preventative care, has a waiting period for things like fillings and other basic restorative care, and longer wait periods for major restorative care (root canals, etc). Even with full coverage, most dental plans don’t cover all treatment costs. Most have an annual maximum which limits the total amount that the plan will pay per person per annual year. Vision works a little differently; covering eye exams annually and an annual limit for glasses or contacts or both. However, more serious treatments typically are not covered which makes vision tends to be pretty affordable.
Individual and family plans
Individual insurance is for anyone who doesn’t have employer plans or government-run programs like Medicare, Medicaid, or CHIP. This includes people who are self-employed, whose employer doesn’t provide health benefits, who retire before Medicare age, or whose family aren’t included in their employer coverage. State licenses and contracts with most major insurance carriers give us access to both private and Marketplace options to help you make informed decisions.
More
Whether you are looking for supplemental plans, travel insurance, pet insurance, or other coverage, McGarrity &Associates can help. We are here for consultations, questions, and more. It’s free to chat with us. Contact us for help.
“McGarrity helped me save about $600 a year! Thank you for taking the time to explain the details of each plan I was considering and for helping me understand exactly what I was purchasing. We also know that with health insurance knowing the details IS important!- Emely B.”
— - Emely B., Client
