Coverage
Life, health, Medicare, and supplemental coverage options for individuals and families.
Individual and family plans offered through the Health Insurance Marketplace.
Often called Obamacare, these are plans sold through the Health Insurance Marketplace. We explain metal tiers, networks, deductibles, and how any subsidy is determined by the Marketplace — not by us. Availability and eligibility vary and are confirmed with our office.
Start a quote for ACA / Marketplace Health coverageA walkthrough of lower-cost plan structures that may apply to your situation.
We review the plan structures available to you and where cost differences come from — network size, deductible, and out-of-pocket maximum. No savings amount is promised; what you qualify for is confirmed at enrollment.
Start a quote for Affordable Health Options coverageMedical plans purchased outside the Marketplace.
Plans sold directly by insurers rather than through the Marketplace. Underwriting, benefits, and enrollment rules differ from Marketplace plans, so we compare them side by side. Availability varies.
Start a quote for Private Health Plans coverageTemporary medical coverage intended to bridge a gap.
Limited-duration plans designed for a gap between other coverage. They are not the same as comprehensive coverage and typically exclude more than a Marketplace plan does; we go through the exclusions before you decide. Availability varies by state and plan year.
Start a quote for Short-Term Health Plans coveragePart C plans that bundle Medicare coverage through a private insurer.
Medicare Advantage plans replace how Original Medicare pays and may add extra benefits, with their own networks and cost-sharing. Plan availability depends on your county and enrollment period. Eligibility is determined by Medicare, not by this website.
Start a quote for Medicare Advantage coverageMedigap policies that sit alongside Original Medicare.
Standardized supplement plans that pay some of the costs Original Medicare leaves to you. We explain how the lettered plans differ and where enrollment timing affects underwriting.
Start a quote for Medicare Supplement coverageState programs that may help with Medicare costs for those who qualify.
Educational guidance on what these programs are and where applications are made. Eligibility is determined by the administering state agency, not by ProtectPlus, and we do not collect application data through this website.
Start a quote for Medicare Savings Programs coverageThe Low-Income Subsidy that can reduce Part D prescription costs.
We explain what the Low-Income Subsidy program is and how it interacts with a prescription drug plan. Eligibility and any award are determined by the Social Security Administration.
Start a quote for Medicare LIS (Extra Help) coverageLevel death benefit for a fixed number of years.
Commonly used to cover a mortgage, income replacement window, or the years until dependents are independent, at a level premium for the term.
Start a quote for Term Life Insurance coveragePermanent coverage with a guaranteed structure and cash value.
Designed to stay in force for life while premiums are maintained, accumulating cash value on the terms set out in the policy. Actual guarantees are those written in the policy issued.
Start a quote for Whole Life Insurance coveragePermanent coverage with flexible premium and death benefit options.
A permanent structure that allows adjustments to premium and, within limits, the death benefit. Policy performance depends on the crediting method and the funding you maintain.
Start a quote for Universal Life Insurance coverageEmployer-sponsored medical coverage for employees.
Coverage arranged by an employer for its employees. We review plan design, contribution structure, and participation requirements. Eligibility rules are set by the insurer and applicable law.
Start a quote for Group Health Insurance coveragePreventive, basic, and major dental benefit plans.
Dental plans differ mainly in networks, annual maximums, and waiting periods. We lay those out together so the trade-offs are visible.
Start a quote for Dental Insurance coverageCoverage for exams, lenses, frames, and contacts.
Vision plans are usually built around an allowance and a network. We compare what each plan covers and how often.
Start a quote for Vision Insurance coverageDental, vision, critical illness, and similar add-on policies.
Policies that pay alongside a medical plan for specific situations, such as critical illness. Benefits, exclusions, and waiting periods are defined by each policy.
Start a quote for Supplemental Coverage coverageGuidance on annuities, IRAs, and 401(k) rollover considerations.
An educational review of how annuities, IRAs, and 401(k) rollovers differ in access, timing, and tax treatment. This is general information, not tax, legal, or investment advice, and no outcome is projected.
Start a quote for Retirement Planning coverageContracts designed to provide retirement income.
Insurance contracts that can convert savings into a stream of income, with structures that differ significantly in terms and guarantees.
Start a quote for Annuities coverageHealth plan providers
Names only — no plan, network, or price is represented here.
Provider, carrier, and plan availability varies by location, eligibility, plan year, and current appointments. Listing a provider does not mean every plan or product is available to every person. Contact our office to confirm what is currently available to you. Contact our office to confirm what applies to you.
Request a quote or reach out with a question. We will walk through the options with you.
