Individual & Family

  • Dental & Vision Plans
  • ACA Medical Plans
  • Short Term Medical plan even with penalty maybe cheaper than ACA plan.

Small Business

Small Business (SHOP)

The Small Business Health Options Program (SHOP) Marketplace helps businesses provide health coverage to their employees.

For 2014, the SHOP Marketplace is open to employers with 50 or fewer full-time-equivalent employees (FTEs). If you have fewer than 25 employees, you may qualify for tax credits if you buy insurance through SHOP. Learn more about more about SHOP eligibility rules.

If you’re self-employed with no employees, you can get coverage through the individual market Health Insurance Marketplace, but not through SHOP.

Benefits of the SHOP Marketplace

• You control the coverage you offer and how much you pay toward employee premiums.
• You can choose from 4 levels of coverage to find a plan that meets the needs of your business and employees.
• You can start coverage any time. Enroll by the 15th of the month and coverage can begin on the 1st of the following month. Learn more about buying coverage outside of Open Enrollment through the SHOP Marketplace.
• If you buy SHOP coverage and have fewer than 25 employees, you may qualify for a small business health care tax credit worth up to 50% of your premium costs. You can still deduct from your taxes the rest of your premium costs not covered by the tax credit. Beginning in 2014 the tax credit is available only for plans purchased through SHOP.

Use the Small Business Health Care Tax Credit Estimator to find out if you qualify and how much you may save.

How to know if you qualify for the SHOP Marketplace

• In 2014, SHOP is open to employers with 50 or fewer full-time equivalent (FTE) employees. Use our FTE Calculator to find out if you qualify to use SHOP.
• In order to use SHOP, you must offer coverage to all of your full-time employees – generally those working 30 or more hours per week on average.
• In many states, at least 70% of your full-time employees must enroll in your SHOP plan. (Employers who apply for SHOP coverage between November 15 and December 15 each year can enroll without meeting this requirement.)
• There is a SHOP Marketplace in each state. You must have an office or employee work site within the SHOP’s service area to use that particular SHOP.

Get more details on SHOP eligibility rules.


You can browse health and dental plan information right now. You’ll see available plans and sample prices based on the number and ages of your employees.

Apply for SHOP coverage

To enroll in a SHOP plan, you’ll use an agent, broker, or insurance company. You’ll also fill out a SHOP eligibility application.

Choose your state and we’ll help you get started.


Learn how to get help for the SHOP Marketplace.

Have questions about the SHOP Marketplace for businesses with 50 or fewer employees? Call 1-800-706-7893 (TTY: 711). Hours: Monday through Friday, 9 a.m. to 7 p.m. EST. Agents and brokers may also use this number.


What is Medicare?

Medicare is a federal health insurance program that covers millions of Americans. In general, you are eligible for Medicare if you are 65 or older, or you are younger than 65 and meet criteria for certain disabilities, or have End-Stage Renal Disease (ESRD).

Medicare Part C: Medicare Advantage

A Medicare Part C plan, also known as Medicare Advantage, is offered by private insurers. If you choose Medicare Part C you will generally have access to services in addition to all services covered by Parts A and B. Under Medicare Advantage you likely will pay a copayment for covered services and see doctors in the plan’s network.

Covered Services

In addition to all services under Medicare Part A and Medicare Part B, many Medicare Advantage plans typically cover the following:

• emergency and urgent care
• vision services
• hearing services
• dental services
• health and wellness programs
• Medicare Part D prescription drug coverage

In most cases, you may join a Medicare Advantage plan if you are entitled to Part A and enrolled in Part B, if you live in the plan’s service area, and if you do not have end-stage renal disease (ESRD).

Types of Plans

Considering a Medicare Advantage plan? There are many Medicare options. But generally speaking, the plan types can be broken down as follows:

Medicare Advantage HMO plans

• may offer benefits in addition to Original Medicare (Parts A and B)
• may include Medicare Part D prescription drug coverage
• feature a network of providers that you must use for your care in most cases
• require that if you visit out-of-network providers, you are usually responsible for the costs

Medicare Cost Plans

Medicare Cost plans are available in certain areas of the country. In a Cost plan, if you go to a non-network provider, the services are covered under Original Medicare. You would pay the Part B premium, and a monthly health plan premium (if applicable). If you seek services out of the plan’s network, you also pay any applicable Part A and Part B coinsurance and deductibles.
Like Medicare Advantage, a Medicare Cost plan may offer benefits in addition to Original Medicare (Parts A and B) and may include Medicare Part D prescription drug coverage.

In a Cost plan you can do the following:
• join even if you only have Part B
• join anytime the plan is accepting new members
• leave anytime and return to Original Medicare
• either get your Medicare prescription drug coverage from the plan (if offered), or join a Medicare prescription drug plan (PDP) to add prescription drug coverage (note: Part D coverage can only be added or dropped during a valid enrollment period)

Medicare Special Needs Plan (SNP)

The SNP is a type of Medicare Advantage plan for people with additional health care needs or limited incomes. You may be eligible for a Special Needs Plan if you:
• live with a chronic or disabling condition
• live in a nursing home or other institution (or require an institutional level of care)
• are eligible for both Medicare and state Medicaid benefits (called Medi-Cal benefits in California)

Other Medicare Coverage

There are other options available for your Medicare coverage, including Medicare preferred provider organization (PPO) plans, Medicare private fee-for-service (PFFS) plans, and Medicare medical savings account (MSA) plans.

For more information

See our sections on Medicare eligibility and enrollment.

You can enroll in Medicare Part C plans and Cost plan Part D coverage only during certain times of the year or based on certain limited special circumstances.

Visit the Medicare website † or call 1-800-MEDICARE (1-800-633-4227) (toll free) or 1-877-486-2048 (toll-free TTY for the hearing/speech impaired), 24 hours a day, 7 days a week. Or visit your local Social Security office, or call Social Security at 1-800-772-1213 (toll free) or 1-800-325-0778 (toll-free TTY for the hearing/speech impaired), Monday through Friday, 7 a.m. to 7 p.m.

Travel Insurance

Traveling or living abroad can be an exciting experience. But anything can happen. So you can get the most of your global experience, when the Unexpected occurs, were there for you.

A U.S. citizen traveling on a month-long European getaway. While visiting Italy, the traveler becomes ill with abdominal pains. After several doctor visits, it’s determined the traveler has appendicitis and requires emergency surgery. IMG’s short-term Patriot products offer benefits that protect U.S. and non-U.S. citizens away from home and ease the stress of unfamilar medical systems.
A business executive who maintains multiple countries of residency, needs a full range of benefits that travel with him. While arriving to his business meeting in Prague, the executive realizes that several travel documents and his passport were misplaced somewhere along the way. Among a variety of services offered,IMG’s Global Concierge and Assistance Services and Emergency Travel Assistance assists in reporting and the retrieval of lost travel documents.
A missionary group heads to India for 12 months of mission work. While building a church, several members of the group need to return home to raise the support to continue the work they set out to accomplish. IMG provides several Mission specific plans which provide the valuable furlough and deputation benefits a missionary needs.
An expatriate living in Asia with his wife and three children. After living abroad for several years, his one-year-old, otherwise healthy, daughter suddenly becomes violently ill. It is determined she has a brain tumor and needs surgery, but the surrounding medical facilities aren’t properly equipped to perform the surgery. Emergency Medical Evacuation benefits under IMG’s Global Medical Insurance provide access to care when an insured needs it most. During the emergency, IMG will coordinate the evacuation and continue to monitor the treatment once at the receiving hospital.

Life Insurance

  • Whole Life
  • Term
  • Final Expense

Call now to get quotes.