Individual Health, Dental & Accident

PFSI recognizes that not everyone receives insurance coverage through an employer, especially small business owners.

We offer competitive health insurance plans through all major insurers. Some of these include dental add-on coverage. With so many changes to the individual health insurance market, you need an advocate that can help you understand the rules and carefully evaluate your options. We also provide accident plans that reimburse your costs in case of a major accident.

PFSI can now help you with your Medicare Advantage and Supplement Plans!

An individual health plan provides coverage for you and your family (if applicable) to cover all or a part of your health care provided by doctors and hospitals. PFSI offers you competitive choices between traditional co-pay plans and high-deductible plans with Health Savings Accounts (HSAs). We can also help you understand your subsidy eligibility and guide you through the process to receive these advance tax credits to reduce the cost of your insurance.

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Co-Pay Plans generally provide benefits before deductible for office visits, ER, Urgent Care, or prescriptions via small co-pays by the insured. These plans usually have lower deductibles for hospital services, diagnostic or facility charges, and co-insurance or patient-sharing after deductible. Generally, these plans have a Maximum Out-of-Pocket (MAX OOP) cost from $2,000-$6,600 per person per year.

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HSA Plans (Qualified High-Deductible Plans) meet the HSA requirements and allow an insured to contribute before-tax dollars to an HSA bank account (medical IRA). These plans generally provide preventive care before deductible but all other types of claims go toward a higher-deductible lower-premium plan. Claims are paid by the insured from the HSA account until the deductible is met. Generally, these plans provide 100 percent benefit after the deductible and they have a MAX OOP from $3,000 individual to $12,700 family.

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Some of our carriers offer add-on dental coverage, which provides benefits for routine exams, cleanings, and other services. Ask us if you're interested in this coverage.

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While a high-deductible plan with an HSA makes premiums more affordable, it also shifts responsibility for a large portion of health care costs to you. An accident plan can help cover some of those costs, if the unthinkable happens.

Qualify for a Subsidy?

Contact us today to find out how we can help you find the right Individual Health coverage for you!

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