With years of feedback from real estate agents we highly recommend the following three carriers.
Each one is unique in the plans they offer. (Read all brochures and limitations for each plan)
All are very flexible in options to help your budget and coverage needs.
Two have Nationwide PPOs (National General and United Healthcare) and one has no network at all! (PIVOT Healthcare: go to any doctor!),
Health Insurance
1. Pivot Healthcare: EPIC BASE (CIGNA Network) has best rates & Choice and Deluxe plans have no network (go to any doctor!)
2. Allstate: Formerly National General! AETNA & CIGNA PPO Networks in some states!
3. United Healthcare: Real Health insurance NOT “Health Plans!”
Supplemental (Cover Deductible / Coinsurance)
1. TrioMED by Allstate (You can pair with United and Pivot plans as well)
2. Plan Enhancer by Allstate (In states where TrioMED is not available)
3. Latitude (Select & Preferred) by PIVOT Health. Great, but may not cover most of your financial risk.
Dental / Vision Coverage
1. AMERITAS
We have gotten so much great feedback about their plans we recommend Ameritas in every state. Great plans and great rates. Pair with your health insurance. Each plan they offer has a different network so you should be able to find almost any dentist in the network.
Prescription Plans
1. PRAM
If the insurance plan you choose does not include an RX Plan or RX Discounts then PRAM Pharmacy Plan Enrollment is our go-to plan for prescription Coverage.
