Employer-Sponsored Group Health Insurance Individual & Family

Short-Term Medical

Dental & Vision


Our Health Insurance Team


Carla & Kristin - Your Benefit Specialists Team



Group Health Coverage for Your Employees

Under the Affordable Care Act (also known as "Obamacare"), businesses with fewer than 100 full-time-equivalent employees aren't required to provide health insurance to their employees and won't face tax penalties for not doing so.

Small business employers may receive tax credits when they provide coverage, as follows:

  • Employers with 25 or fewer employees with average annual wages of less than $50,000, may be eligible for a special tax credit of up to 35% of the amount the employer contributes (at least 50%) toward employee insurance premiums.
  • In 2014, that tax credit increases to 50% for employers who pay at least 50% of their employees' monthly health insurance premiums.

Whether you offer health insurance to employees or not, it is absolutely critical that you make your employees aware of their obligation to seek health coverage under the Affordable Care Act. And, you have to let your employees know that they have access to guaranteed coverage in the individual market, and that they may be eligible for government subsidies if the coverage you provide them is not deemed to be affordable under the law.

Beginning in 2015, businesses with the equivalent of 100 or more full-time employees must provide "affordable" health insurance or pay a tax penalty.



Contact us to schedule a conversation about this topic 

& to begin working on a plan that fits your business


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Individual & Family Insurance


View your options Here

For More Information or to Enroll Online, click here


Blue Cross/Blue Shield

Click here for blue cross blue shield rates & quote 


Please call us for more complete information and assistance with obtaining this or other health insurance carrier quotes.


Please Note: Aproval of individual health insurance applications are dependent upon health history. It is neccessary to call us so that we may obtain full information for any health plan.

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Short-Term Medical Insurance

Bridge the gaps in health insurance coverage

When a life change leaves you without health insurance, you need coverage to get you through the transition period.

A Short Term MedicalSM insurance plans from UnitedHealthcare's Golden Rule Insurance Company, underwriter of UnitedHealthOne plans, can:

  • Help smooth a life transition by making sure you're never without insurance coverage
  • Offer optional periods of coverage from 1 to 11 months.*

A Golden Rule Short Term Medical insurance plan may be right for you if you are:

  • Between jobs or unemployed
  • A young adult finished with school, or a student no longer covered under a parent's insurance plan
  • An early retiree
  • Waiting for other coverage to begin

We offer a range of deductibles, payment options and lengths of coverage. You can also drop your Short Term Medical coverage at any time without penalty.


For short-term plan brochure,

please Click Here




Apply Here

Apply Here




International Travel Insurances

IMG International Travel Insurance

Coverage without Boundaries®!

We know that the reasons to travel abroad are many and varied - that's why our products are too. Our full-service approach to providing international medical insurance products includes servicing vacationers, those working or living abroad for short or extended periods, people traveling frequently between countries, and those who maintain multiple countries of residence. To meet all of these needs, we have developed a comprehensive range of major medical, life, dental and disability products that can be tailored to meet your needs.



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Dental Insurance

Delta Dental & Vision

Dental Insurance Approved In Minutes!

Perfect for...
  • Individuals and families
  • Business owners and employees

Enroll Here

Delta Dental & Vision - Enroll Here



  • Largest network of dentists in Arizona
  • Comprehensive dental plans
  • Secure access to your dental benefit information 24/7
  • No claim forms to file
  • No referrals needed


Please call our office for more information.