Individual/Family Health Insurance

We offer traditional individual health policies through all of the major insurance carriers available in North Dakota; both on and off of the Federal Exchange or “Marketplace”. 

 

Short Term Medical (STM) insurance plans

Short term health insurance is a type of health plan that can provide you with temporary medical coverage when you are between health plans, outside enrollment periods, and need some coverage in case of an emergency.

 

However, to get the most out of a short term health plan, you need to understand how they work, what they cost, and what they cover.

 

Employer Group Health Insurance

Employer-sponsored health insurance is a health policy selected and purchased by an employer and offered to eligible employees and their dependents. These are also called group plans. 

 

We offer these plans from all of the major insurance carriers available in North Dakota. 

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Long Term Care Insurance

Long-term care insurance helps to ensure that people can afford long-term care if they need it.

This type of policy can cover assistance with home health care, assisted living, skilled nursing, or other services like adult day care and care coordination. Benefits are triggered after the policyholder has satisfied their Elimination Period and has been certified as needing hands-on help with at least two of the six standard Activities of Daily Living for at least 90 days.

 

The Activities of Daily Living include:

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• Bathing

• Continence

• Dressing

• Eating

• Toileting

• Transferring

 

Other triggers include severe cognitive impairments such as Alzheimer’s or other forms of dementia.

 

Most policies have a limit to the amount of benefits that can be paid out, such as a specific number of years or a total-dollar amount. When purchasing a policy, the applicant selects the benefit amount and duration to fit their budget and anticipated needs.

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Medicare Supplements

Because basic Medicare coverage has limitations, many people purchase supplemental insurance policies to cover any gaps. These policies —called Medicare Supplement or “Medigap” policies — are sold by private health insurance companies.

The types of health care costs that Medicare Supplements cover include copayments, coinsurance and deductibles. However, they don’t usually cover long-term care, vision, dental, private-duty nursing, hearing aids or eyeglasses.

 

Cancer Insurance

In order to manage the risks associated with cancer and its many forms, I offer a variety of cancer insurance policies. These supplemental health insurance plans are designed to fill in any gaps left by conventional health insurance policies.

 

These benefits can include:

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• Financial support for healthy living programs, such as:

  • Dietary changes

  • Gym memberships

  • Tobacco cessation

 

• Access to wellness tests meant for early disease detection and other overall health aspects, including (but not limited to):

  • Mammograms

  • Pap smear tests

  • Colonoscopies

 

• Medical expenses, such as costs associated with cancer treatment

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• Non-medical costs, such as financial assistance for transportation, food, home and child care, and other expenses

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Critical Illness Insurance

Critical illness is a type of insurance policy that compensates policyholders with a lump sum payment after they are diagnosed with a severe illness, such as heart attack, cancer or a stroke. This payment can then be used at the policyholder's discretion to cover health care or personal costs due to their illness.

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Disability Insurance

A disability can strike at any age in any profession. For many people the loss of a paycheck can spell disaster for their family. Disability Insurance (DI) is “income protection” insurance. DI ensures that you will still have some kind of income if something happens and you are unable to work.

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Accident Insurance

Accident insurance helps you pay for the medical and out-of-pocket costs that you may incur after an accidental injury. This includes emergency treatment, hospital stays, and medical exams, and other expenses you may face, such as transportation and lodging needs