Insurance

Since 1994 we have been helping individuals and businesses manage health insurance decisions. In the ever changing landscape of health insurance, our company realizes the balance between the benefits a plan offers and the price a company or individual is willing to pay.

Our agents bring knowledge and expertise to that decision-making process. Our goal is to find the right match for your needs within your budget.

We work with the leading names in the health insurance industry. Companies like CareFirst, Kaiser, and United Healthcare are our partners. Our reputation with our partners is top notch and our agents are well-trained to understand all package complexities, no matter which company is offering it. There are important gray areas and small details in the insurance industry and lots of fine print within the packages that these companies offer. We at Insuraty aren’t trying to sell you their products and services. Our goal is to make sure you understand the complexities, can read the fine print, and feel confident about the decision you are making.

Our role is to be the subject matter expert so you don’t have to be. We understand the marketplace, the different offerings, and the benefits and advantages of each particular plan.

Our knowledge, combined with our understanding of your needs, saves you time. We understand that what might be right for one customer, could be a bad fit for another. There is no one-size fits all approach to crafting the right insurance package.

We’ve found that there are two states of mind when it comes to life insurance.

Some build legacies with their foresight, knowing that their family will be stronger and better off with inheritances when the inevitable occurs.

Others don’t see the benefit of investing in life insurance at all or are unaware that the life insurance coverage, offered by their employer, is barely enough to cover reasonable expenses incurred – leaving their family without a legacy on which to build.

For centuries, the families that aim to build legacies… do. These families benefit from inheritances, generation after generation, that help to produce more college graduates, more homeowners, and countless contributions to society. It’s that simple.

At Insuraty, we believe life insurance is about life. Insuraty offers guidance in determining why life insurance is needed; how much coverage is optimal; and the advantages of different types of policies. For employers, we will work one-on-one with your employees to help them determine the right approach for them.

What about flexible spending?

We’ve got you covered. Dependent care reimbursement accounts allow employees to direct a predetermined amount of money into an account that reimburses for dependent care expenses for eligible children and/or dependents. Medical reimbursement accounts allow employees to direct a predetermined amount of money into an account that may be used for eligible medical expenses incurred, but not covered under the existing health plan.

Can you help me with voluntary insurance?

Yes we can! We know that in some cases, employers prefer to contribute to a specific set of benefits, excluding benefits that may be of interest to some employees. Employers may offer the opportunity for these employees to receive the benefits they feel are important to themselves and their families. Our voluntary group insurance plans provide life, dental, and short and long-term disability insurance benefit options for these employees at their own expense.