Three Rivers Financial Services is ready to assist you in choosing an individual health insurance plan that best fits you and/or your family’s needs. We know your health is most important, that is why our agents will assess and discuss your needs on a personal basis. With many years of experience, we specialize in finding the perfect health insurance plan for you.
Our individual products cover but are not limited to the following categories:
COBRA Alternatives
If you are paying high premiums to your previous employer through COBRA, we may have the solution for you. Below are some alternatives that will not only reduce your monthly premiums substantially but could also provide you with better coverage.
Individual Plans
If you are an individual in need of coverage, our agents can provide the guidance necessary to assist you in finding the best insurance plan to suit your needs. There are numerous plan options, which range from first dollar co-pay plans to low monthly premium high deductible plans.
Family Plans
Families also have a wide variety of plan options. You and your family are able to choose from first dollar plans or deductible plan options, as well as tax sheltering Health Savings Accounts.
Short Term Plans
If you are an individual transitioning between jobs and are not offered or cannot afford COBRA, short-term coverage is a viable alternative. This type of insurance is also a great fit for recent college or high school graduates that need to bridge the gap between the termination of parental coverage and their new employer coverage. Pending completion of a brief medical questionnaire, you would be eligible to purchase temporary health insurance ranging from a minimum of 31 days to a maximum of 365 days at a very affordable price.
Sole Proprietors
Entrepreneurs, franchisers, and other sole proprietors can now have the same benefits as companies with 2 employees or more! Three Rivers Financial Services has programs for sole proprietors that will entitle them to the richest benefits offered.
*Individual & Estate Planning
- Life Insurance
- Confidential Needs Analysis
- Long Term Care
- Disability Income
*Business Planning & Continuation
- Key Person Life Insurance
- Buy/Sell Funding
- Executive & Deferred Compensation
Early Retirement
We have plans and solutions for those that are not yet Medicare eligible, but have retired early and no longer can obtain medical coverage from their previous employer.
Medicare Specialist
Besides Parts A & B, individuals enrolled in Medicare may be in need of additional coverage. We have agents that are Medicare certified and have solutions that eligible individuals could benefit from substantially.
Three Rivers Financial Services represents the following carriers in the individual market:
- Highmark Blue Cross Blue Shield
- Health America One
- United Healthcare Golden Rule
- Aetna Health Care
- Celtic Health Insurance
|
 |
