Health & Dental Plans
Have you ever had an insurance agent give you an 800 customer service number and "disappear"? We pride ourselves on providing personalized service and going the extra mile" to assure that your needs are met. It may be following up to make sure that employees have been properly enrolled, or checking on a problem claim, assisting every step of the way. We will be there with you and FOR you should you need assistance, to make sure that you and your employees get the service they deserve.
How do you choose the appropriate plan? There are so many options available - HMO, PPO, POS, HSA and Dual Options Plans - it's hard to know which plan is right for you and your employees. Let us help you make the best choice. We will help you understand the different types of plans in order to best decide a plan and carrier that meets your needs regarding benefits and costs. We represent most insurance companies in order to assure you have the best plan.
Health Savings Accounts are new plans that can be of great benefit to you and your employees. They work in conjunction with high deductible medical insurance and create "savings accounts" to be used for the purpose of paying medical expenses not covered by the insurance. Let us explain how it can work for you.
Employer Links: UHC - Employer E-Services Website BCBS Employer Website Aetna Employer Website Principal Employer Website Delta Dental Employer Website Ameritas Employer Website COBRA Continuation Coverage Assistance Under ARRA Employee/Member Links: UHC Member Website BCBS Member Website Aetna Member Website Delta Dental Member Website Ameritas Member Website Individual Health & Dental Links: Golden Rule/ United HealthONE Aetna Individual Insurance BCBS Individual Insurance Medicare AARP - United Health Care - Medicare Suppliment Official U.S. Government Site for Medicare
Karin Rivera*, whose sole responsibility at DJC Insurance & Financial Services is to service our health insurance clients, can help you find both individual and group health and dental policies for you or your business. We work with a number of independent medical and dental insurance companies such as Aetna, United HealthCare, Blue Cross Blue Sheild, Principal Financial Group, Delta Dental, Celtic, to name a few.
Call Karin at (239) 541-8840 or you can contact her by e-mail at karin@djcinsurance.net.
* Karin Rivera is employed by DJC Insurance & Financial Services and has no affiliation with New York Life Insurance Company or its affiliates.
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