Health and Life Insurance
Whether you’re a business owner or an individual or family, finding the right type of life & health insurance plan at the right price is much more challenging now that it has ever been. Our goal is to find the best options for affordable life insurance or affordable healthcare insurance!
EMPLOYEE BENEFITS
Your employees deserve the best coverage available. By offering competitive benefits package, you can retain your quality employees and attract even more to your organization.
Johnston Fiss provides a comprehensive evaluation of your existing benefits and annually provides market analysis from multiple insurance carriers. We extend our services our service to employees to provide plan administration and employee communication that simplify the delivery of the multiple benefits such as:
- Group Health Benefits
- Group Dental
- Group Life
- Group Vision
- Group Long and Short Term Disability
- Voluntary Worksite Products
- Workers’ Compensation
- ACA Guidance
- HR Resources and Support
INDIVIDUAL/FAMILY HEALTH INSURANCE
Trying to find an individual health insurance or family health insurance plan that is both budget-friendly and gives you the coverage that you need can be complicated. Which aspect of your healthcare is most important to you?
- General health
- Dental
- Vision
- Disability
- Prescriptions
- Medicare Supplement
- Medicare Advantage
- Prescription Drug Plans
- Long Term Care
- Travel
- Navigating healthcare.gov
Contact Johnston Fiss today for advice about the best healthcare option.
LIFE INSURANCE
Life insurance helps protect your family against the unexpected. We’ll take the time to learn about your needs and educate you on different types of life insurance products. Term life, Whole life, Universal life and Final Expense life plans are all available. Unsure about how much life insurance you should have? No problem, Johnston Fiss will provide you the guidance you need.
Medicare
When you are nearing the age of 65, you have a number of decisions to make. The mail is stacking up and you feel overwhelmed with the decisions ahead. Johnston Fiss has experts that will walk you through the process. They will provide you the education you need to understand the difference between Part A & Part B as well as Medicare Supplement plans, Medicare Advantage plans and Prescription Drug Plans also known as Part D.
Johnston Fiss will be there to answer your questions and help you evaluate your future changes.
When is open enrollment for individual/family health insurance?
November 1st to December 15th.
How can I get health coverage now that open enrollment is over?
With a Special Enrollment Period (SEP) such as if you lose your group health insurance, or have a certain qualifying life event.
Can a group start a health insurance plan any time during the year?
Yes. Effective dates for groups can be the 1st of the month or the 15th of the month.
Can you sign up for Medicare at any time?
The Initial Enrollment Period (IEP) is the first time you can sign up for Medicare. You may join Medicare Parts A,B,C and D during this time: The 3 months before your 65th birthday, the month of your birthday and the 3 months after your birthday.
When is open enrollment for Medicare?
Every year, Medicare’s open enrollment period is October 15th through December 7th.
When can I change my Medicare health or prescription plan?
You can only change it during open enrollment, from October 15th to December 7th each year. Anyone with Medicare can change their Medicare health plans and prescription drug coverages for the following year to better meet their needs.
Let Us Help You Today.
Looking for a free quote? Contact one of our expert agents today.