Individual and Family Health Insurance

Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments.

Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.                                                                                                              

For an instant online health insurance quote for you or your family, please fill out our On Line Form.

      Additional Medical Insurance/Coverage Plans

• Time Insurance - Temporary (Short-Term) Health Insurance          
  
  

  Need temporary health insurance?

  Time Insurance Companýs Short Term Medical plan is temporary health insurance
  (35 to180 to 365 days), designed for people between health plans.
  We offer convenient payment options single or monthly to fit your need and budget.
  

  
  For more information contact:Steven Pfannenstiel for an Immediate Quote!
  

  * Between Jobs or Laid Off

  * Recent College Graduate

  * Temporary or Seasonal Employee

  * Looking for an Alternative to COBRA

  
                                                                                               

         HPA - Health Plan Administrators

• HPA Medical Insurance - Full Medical Health Insurance Plans
  *

• HPA Secure Med STM - Short Term Medical Insurance           
  Secure Med STM - (Standard Security Life Insurance Company of New York) Short Term Medical coverage from 30 to 180 or 365 days of coverage. Eligibility up to age 65.
  
  The Freedom STM is:                                   
  * A perfect fit for individuals between plans
  * College Students
  * Part-time employees                                                                                  
  Convenient Features:
  * Free internet quoting and online application.
  * Single Payment Option offers coverage for any number of days from 30 to 180 days.
  * 12 or 6-month monthly pay option
  * $2,000,000 lifetime maximum per insured person
  * No PPOs - any doctor or hospital
  * Accept or reject underwriting with a 24-hour approval
  

• HPAThe Competitor Rx-Pay Card - Prescription Drug Discount Card
  The Competitor RX-Pay Card (Rx Options, Inc.) Prescription Drugs: $10 Generic Co-Pay and $20 Preferred Brand Name Co-Pay.
  
  
• HPAOverseas Travel Medical - Overseas Travel Medical Insurance
  Overseas Travel Medical - (American Consumer Insurance Trust) Travel Plan which provides comprehensive short term medical protection for individuals traveling outside of their home country.