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Hello

Welcome

We help families, businesses and individuals understand the benefits they are eligible for, the moving parts of their policies, and even celebrate their birthdays and milestones. PN Group are personalized, experienced and compassionate. 

Our Health Insurance Carriers

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medicare advantage - medicare supplement - dental vision

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MEDICARE ADVANTAGE

MEDICARE SUPPLEMENT

MEDICARE SUPPLEMENT

Medicare Advantage Plans are a type of Medicare health plan offered by a private company that contracts with Medicare to provide all your Part A and Part B benefits. Most Medicare Advantage Plans also offer prescription drug coverage. 


Medicare Advantage Plans include Health Maintenance Organizations HMO, Preferred Provider Organizations PPO, Private Fee-for-Service Plans PFS, Special Needs Plans SNP, and Medicare Medical Savings Account Plans MSA. When enrolled in a Medicare Advantage Plan, Medicare services are billed to the plan rather than Original Medicare. 


Most Medicare Advantage Plans offer extra benefits such as dental, vision, hearing, over the counter catalog  or transportation.

We are contracted with many plans such as UnitedHealthcare, Blue Cross Blue Shield, Amerigroup, Aetna, Kelsey Seybold, Oscar, WellCare...

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MEDICARE SUPPLEMENT

MEDICARE SUPPLEMENT

MEDICARE SUPPLEMENT

Medicare Parts A and B provide coverage for health-related expenses but not cover all of the health care costs you may have. A Medicare Supplement plan or Medigap, is a private insurance policy that can help pay for some of the health care costs that original Medicare doesn’t cover. This can include out-of-pocket expenses such as copayments, coinsurance and deductibles.


You can apply for a Medicare Supplement plan policy if you are enrolled in Medicare Parts A and B. 

Any standardized Medigap policy is guaranteed renewable even if you have health problems.


It's illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage Plan, unless you're switching back to Original Medicare. Medigap policies generally don't cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.

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DENTAL VISION

MEDICARE SUPPLEMENT

DENTAL VISION

"An ounce of prevention is worth a pound of cure". In recent year about 1/5 of Americans were not covered by a dental plan of some kind. Most medical insurance plans don’t cover even routine dental care. Our dental plans and the basic and preventive care coverage that comes with them make it easier to give your dental health the attention it deserves. 


Research has shown possible links between oral health issues and cardiovascular disease, pregnancy issues, diabetes... During covered routine cleanings, your dentist checks for various issues such as oral cancer, nutritional deficiencies as well as cavities – catching problems before they can become more serious. 


We have vision plans to fill the gap in your health care coverage and gives you the greatest flexibility in selecting an eye doctor who meets your lifestyle, eye care and eyewear needs.

market place - group health - short term insurance

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MARKET PLACE

SHORT TERM PLAN

MARKET PLACE

The marketplace open enrollment AEP each year is from November 1 to December 15, gives consumers the opportunity to enroll or renew health coverage. Once the AEP is over, individuals may still be able to purchase coverage during Special Enrollment periods.


The law ensures that health plans offer a core package of items and services, known as "essential health benefits" such as ambulatory, emergency, hospitalization, prescription drugs, wellness services, pediatric services...


The Affordable Care Act allows million young adults, who can't get coverage through their job to stay on their parent's health plans until the age of 26.


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GROUP HEALTH

SHORT TERM PLAN

MARKET PLACE

Group Insurance health plans provide coverage to a group of members, usually comprised of company employees or members of an organization. Group health members usually receive insurance at a reduced cost because the insurer’s risk is spread across a group of policyholders. 


Group plans cannot be purchased by individuals and require at least 70% participation by group members. Group plans varies based on insurers, plan types, costs, and terms and conditions...

 


Joing group health is optional for group members. The premiums are split between the organization and its members based on the plan. We offer group health for small group under 50 employees & larger group more than 50 employees. 



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SHORT TERM PLAN

SHORT TERM PLAN

SHORT TERM PLAN

Short Term health insurance or Temporary health insurance, is designed to help bridge gaps in your health care coverage during times of transition.


For instance, college student just rolling off your parent’s insurance, waiting for benefits to begin at a new job, missing Open Enrollment and not qualify for Special Enrollment, waiting for Medicare, or losing coverage following a divorce...


We offer affordable Short Term Medical insurance plans, provide you with the great flexibility: You can apply anytime of year in minutes. You can select the coverage length or drop your coverage without penalty, and choose from a range of available deductible amount. You can get the security of that coverage fast, right when you need it.