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Disability Insurance Protect one of your most valuable assets, Your Income, with Disability Insurance. Having homeowners protection and auto insurance provides peace of mind if you ever need to file a claim for home damage or a car accident. But, what about the peace of mind in knowing you can continue to pay everyday living expenses if you become too sick or hurt to work? Protect your financial foundation — your income — in the event of a disabling illness or injury with Individual Disability Income (DI) insurance. Insuring your income Protecting your financial security. The premium for an Individual DI policy is typically just 1 to 3% of what you earn — often less than the cost of a monthly date night, buying lunch every day or your monthly technology needs (smartphone, internet and cable service). The Benefit Store offers several Types of Disability Insurance Policies for both individuals and business owners with 10 highly rated carriers. Most policies can be catered to meet your individual needs based on your goals and options desired. Ask us about disability insurance First Name Last Name Email Phone Home Zip Code Message Send me the Monthly Newsletter Send Your data is encrypted with a Comodo SSL Security Certificate Types of Disability Insurance Individual Disability insurance can replace a portion of lost income if you are unable to work due to sickness or injury. It can help you to meet your financial obligations and maintain your current lifestyle. Some of the benefits Individual Disability Insurance include: Monthly Benefit Payments - After an initial waiting period, benefits are paid for each month you can't work through the policy's maximum benefit period Non-cancelable and Guaranteed Renewable Coverage Available - Provided premiums are paid on time, your insurance cannot be canceled or changed. Your coverage or premium rates remain the same from the first premium due date until on or after your 67th birthday. Up to 66% Income Replacement for Individuals - Benefits from your disability policy are paid to you income tax free for the length of any long term or total disability Own Occupation - If you become totally disabled from your occupation and choose to work in another occupation, you’ll receive full benefits, regardless of the income you earn from the other occupation Residual and Recovery Benefit - Pays you when you are partially disabled and not earning 100% of your pre-disability earnings. Your Residual benefit will pay you relative to your loss of income. If you can only earn 50% of your previous income, your residual benefit will be 50% of your disability benefit until you get back to your full income. ! Widget Didn’t Load Check your internet and refresh this page. If that doesn’t work, contact us. Protect your Business with Business Overhead Expense Business Overhead Expense insurance assures the business owner will have a business to come back to after recovering from an injury or sickness. Or have a business to sell that has not depreciated if not coming back. Some of the Benefits from Business Overhead Expense Insurance Include: Reimburse the small Business Owner - the fixed expenses of their business Including, Rent, Utilities, Insurance and Employees Salaries. Tax Advantages - Premiums for Business Overhead Expense Insurance are tax deductible to the business. Benefits can be payable after 30 days - benefits can begin after 30, 60 or 90 days. Benefit Update - assures the business owner can increase coverage as his expenses increase with no additional underwriting Residual Benefit - pays a partial benefit if the business owners can only performs some (not all) of their daily duties Key Person Replacement Key Person Replacement is an efficient way to provide successful businesses with the funds necessary to financially handle the loss of a key employee or executive due to a total long-term illness or injury that prevents them from performing their job duties. Benefits can be used at the discretion of the employer, but common uses include: Recruitment and training costs for a sound replacement Indemnify the company for lost revenue and profits Temporary staffing needs Funds can be available to the business in a short as 30 days after an injury or illness of the Key Employee to help keep the business operating smoothly. Benefits can be paid monthly for up to 1 year or until the employee is recovered and back to work full-time. If the Key Employee has not returned after 12 months, a Lump Sum payment can be paid to help recover lost future revenue. Disability Buyout for Business Owners Disability Buy-Out insurance reimburses the Business or Policyholder for the purchase of a totally disabled insured’s interest in the business under a buy-sell agreement. These funds allow you and your partners to: Maximize the financial return when the business is transferred, while minimizing the tax liability. Help the business survive a partner’s departure — allowing remaining owners and their families to receive the full value. Protect the disabled partners value in the business during a difficult time of recovery Benefits can be paid after 365 days of disability in either a lump sum or installments up to 5 years subject to the terms of their buy-sell agreement.

About Us At The Benefits Store, we are a leading Health Care Insurance Brokerage and Third Party Administrator (TPA) with a rich history of serving members of California Local Real Estate Associations since 1984. Our mission is to provide exclusive, tailor-made health insurance solutions, which encompass Medical, Dental, Vision and Life coverages along with Legal Shield and ID Shield protections. As a trusted TPA, we are also licensed to handle premium billing, payment processing, and efficient remittance services for these essential products. Our commitment to excellence and our deep industry expertise have made us the go-to source for Real Estate Professionals seeking comprehensive health insurance solutions in California. Discover the benefits of choosing The Benefits Store today! A message from our President Roger Smith, President What Makes Us Unique Who We Are At The Benefits Store, we wear two hats with pride: Health Care Insurance Broker and Third Party Administrator (TPA). Our services encompass an array of health insurance programs and related coverages, including Dental, Vision, Life, Disability, Medicare along with Legal Shield and ID Shield protections and more. Also holding a valuable TPA license that allows us to provide Third Party Administration services to California Associations and their membership. Realtor® Association Platform Our journey has been intertwined with California's 100+ Local Realtor® Associations. For almost four decades, we've diligently served their members, offering benefits that enhance their lives. Of Special Interest: The Benefits Store extends its comprehensive portfolio to both Association Realtors@ and Affiliate Members. Our plans include group programs such as Kaiser (20+ plan options) and Anthem Blue Cross (60+ plan options) along with an extensive selection of employer group and individual plans, all with 'Guaranteed Issue'. This means that we welcome subscribers without regard to their past or current health history. Benefits Store and California’s Health Exchange – Covered California (Covered CA) Our team has Brokers who've successfully navigated the rigorous Covered CA licensing requirements, making them Certified to guide consumers through California's Health Exchange enrollment process. This journey can be complex for individuals attempting it alone. With no price-saving benefits for clients enrolling independently, it's typically advisable to seek assistance from a Benefits Store Broker. Customer Service and Support Systems At The Benefits Store, providing top-notch customer experiences is a core part of our mission. Our office staff is always at your service, offering answers to billing inquiries, helping with account balances, guiding you through the plan renewal process, and addressing various administrative matters. Our Brokers are equally committed to delivering exceptional customer experiences, whether explaining plan benefits, discussing options and premiums, or assisting with applications and claims issues. Monthly E-Newsletter We diligently research content from reputable third-party sources including Science Daily, Popular Science, WebMD, Psychology Today and more, focusing on how various health care topics directly affect our clients. These articles are sent directly to the Associations and our clients. Our E-Newsletter can be easily shared, providing valuable content for Association websites and electronic communications to Association Members. Client Communications The health insurance landscape is ever-evolving, marked by constant change. To keep our clients and Association members well-informed, we email regular updates and use social media channels of Facebook, Linked In and (X) to provide timely updates on the most significant developments in the health care marketplace and to communicate topics of interest that can directly impact health and health care coverage. –Roger Smith, President

CREBP Group Program Information Affiliate, Corporate, and Realtor© Association Members can choose from CREBP packages with more than 60+ Anthem Blue Cross® Group Plan Options and more than 20+ Kaiser® Group Plan Options. These plan options are exclusively available to members of Local Real Estate Associations in California. New Association Members are immediately eligible on the 1st of the month following their membership. CREBP Benefit Package w/Anthem Blue Cross® Medical Includes Anthem Blue Cross Medical Plan, Principal Dental Access Plan, Mutual Of Omaha Guaranteed Issue Group Life Insurance with AD&D, Vision Plan of America, and Admin Fee Find My Plan CREBPT Benefit Package w/Kaiser® Medical Includes Kaiser Medical Plan, Principal Dental Access Plan , Mutual Of Omaha Guaranteed Issue Group Life Insurance with AD&D, Vision Plan of America, and Admin Fee Find My Plan Anthem Blue Cross Anthem Blue Cross understands that our health care needs connect us to each other. What we all do impacts those around us. So, Anthem is dedicated to delivering better care to our members, providing greater value to our customers and helping improve the health of our communities. NOTE: Anthem’s network of PPO and HMO providers provides access to the largest number of health professionals. Kaiser Founded in 1945, Kaiser Permanente has a mission to provide high-quality, affordable health care services and to improve the health of our members and the communities we serve. Our expert and caring medical teams are empowered and supported by industry-leading technology advances and tools for health promotion, disease prevention, state-of-the-art care delivery and world-class chronic disease management. Your care team works with you to give you the care you need, when you need it — and you get convenient resources to stay in control of your plan and your health care including on-line access to doctors and one-stop care at Kaiser facilities for medical, testing and pharmacy needs. Why do you need health coverage? Protection from the unexpected Being healthy is easier with preventive care Required by the California Individual Mandate as of 2020 Why should you get a CREBP health plan with Anthem Blue Cross® or Kaiser®? Experience you can count on Health care plans that fit the way you live Online tools to help manage your health care Telemedicine services available 24/7.. How to choose the right health insurance plan for you Understand your health care needs Compare options Select a plan and enroll

Dental Why Dental Insurance Coverage Matters If you're considering dental insurance, you might be wondering, “Why do I need dental insurance?” Understanding the benefits can greatly impact your overall health and well-being. Regular Dental Checkups One of the most overlooked aspects of oral care is scheduling regular dental checkups every six months. These visits not only maintain the health of your mouth but also significantly reduce the risk of oral infections. Additionally, regular checkups facilitate early detection and treatment of serious issues like gum disease. Periodontal Disease and Overall Health Scientific research has established strong links between periodontal disease (gum disease) and overall health. This underscores the importance of reassessing and potentially revising your current oral health routine. Understanding Dental Insurance Plans When it comes to dental insurance, two common types are Dental HMO (DHMO) and Preferred Provider Organization (PPO) plans. Understanding their differences is crucial in making an informed decision. Dental HMO Insurance Plans DHMO plans prioritize preventive care at a lower cost. They encourage regular dental visits and check-ups while keeping out-of-pocket expenses minimal. However, coverage is limited to in-network dental care providers. Benefits of DHMO Plans: No annual maximum for covered benefits No deductible Low copayments for diagnostic and preventive care Lower premiums compared to PPO plans Limitations of DHMO Plans: Limited coverage for out-of-network care Possible restrictions on visits, treatments, or diagnostic tests Referral required for specialist care Smaller dentist network size Important Tip: Under DHMO plans, selecting a primary dental facility is necessary, and referrals are required for specialist care. PPO Insurance Plans PPO plans offer a larger network of dental providers and greater flexibility in choosing dentists or facilities. While they involve higher out-of-pocket costs, they provide more options for care. Benefits of PPO Plans Larger network of dentists Flexibility in choosing dentists or facilities Partial reimbursement for out-of-network treatment No referral needed for specialist care Limitations of PPO Plans Annual coverage limit Deductible requirement Higher copayments compared to DHMO plans Higher premiums Important Tip: PPO plans offer flexibility but come with coverage limits and higher costs. Final Tip: Before selecting a plan, confirm with your dentist which insurance coverage they accept to ensure seamless treatment. Ready to Choose? Whether you opt for a DHMO or PPO dental plan, make an informed decision that suits your unique requirements and priorities. Let's get started on finding the right plan for you and your family.

California Health Insurance Find My Plan Our Programs Includes Anthem Blue Cross® Medical Plan, Principal Dental Access Plan, Mutual Of Omaha Guaranteed Issue Group Life Insurance with AD&D, Vision Plan of America, and Admin Fee CREBP Benefit Package* w/Anthem Blue Cross® Medical Find My Plan Shop, compare and select the most affordable group health insurance plans. Let’s help you save $$$ and provide the best for your team. Have both W-2 employees and 1099 Independent Contractors? Ask us about our Private Label program. Employer Group Health Find My Plan Includes Kaiser® Medical Plan, Principal Dental Access Plan, Mutual Of Omaha Guaranteed Issue Group Life Insurance with AD&D, Vision Plan of America, and Admin Fee CREBP Benefit Package* w/Kaiser® Medical Find My Plan Get Quality Health Insurance at a Price You Can Afford! More than 50 plan options available for individuals and families. Whether you are self-employed, in-between jobs or in need of health insurance coverage, we have a plan for you. Individual and Family Health Find My Plan Health Find My Plan Realtor©, Corporate and Affiliate Association Members can choose from CREBP packages with more than 20+ Kaiser® Group Plan Options and more than 60+ Anthem Blue Cross® Group Plan Options. Monthly E-Newsletter and Benefit Advisor We scour the web for straight-forward articles from reputable third-party sources (such as Kaiser, The Wall Street Journal & more) that address how the various topics of health care can have a direct impact on our clients. The newsletter includes several columns on current health news, health events and recognized health days. We send these directly to our clients. We utilize both Facebook and Twitter to keep our clients and Associations up to date on the most important developments in the health care marketplace and to communicate topics of interest that can have a direct effect on health and health care coverage. *The E-Newsletter can be copied & pasted for inclusion on Association websites and/or electronic correspondence to Association Members. Employer Groups The health insurance marketplace is very dynamic and constantly changing. The Benefits Store utilizes the latest options in program design to meet both your budget and your employee’s health needs. We partner with technical online platforms (including Quotit) for fast turnaround and enrollment in the bidding cycle. Covered California Benefits Store and California’s Health Exchange – Covered California (Covered CA) Our firm has multiple Brokers that have successfully completed the Covered CA licensing requirements and are certified to assist consumers with the navigation and enrollment process into California’s Health Exchange. The process can be complicated for consumers doing this on their own, as well as choosing the best plan for themselves and their family. Since there is no discount/price savings for clients enrolling on their own, it is usually advisable to have assistance from a Benefit Store Broker in this process. We have a dedicated section that is an educational and information resource for individuals needing clarification on Covered CA issues for the self-employed and small businesses. It addresses many of the questions we have been getting from Californians and even provides a subsidy calculator. Go to the Covered California page. What Our Clients Say ★★★★★ Thank you again for your time, help and perseverance to get this accomplished. You've given us some peace of mind regarding health coverage. Please let us know who we can commend you to at the Benefits Store. Michelle and the Get Results Team ★★★★★ You guys are really great. I just stood up on the bleachers at my sons' baseball game and announced your praises! Beth, Santa Barbara CA ★★★★★ After just 4 days The Benefits Store staff accomplished more than other "industry related" staff were able to do after 30 days! Plus the staff is sincere and easy to work with! Jennifer, San Diego CA Our Partners

Individual and Family Health Plans Better Health – Better Life Whether you are self-employed, in-between jobs or in need of health insurance coverage Get Quality Health Insurance at a Price You Can Afford! Our online quoting platform helps you shop, compare and select the right health insurance plan for you and your family. Welcome to our Individual and Family Coverage page, where we strive to provide comprehensive healthcare solutions tailored to your unique needs. Whether you're seeking coverage for yourself, your family, or your child, we offer a range of options, including Medicare and child-only coverage, to ensure that you and your loved ones have access to quality care and peace of mind. Individual Coverage Our individual coverage plans are designed to provide personalized healthcare solutions for individuals of all ages and life stages. Whether you're a young adult starting your career, a freelancer, or someone transitioning between jobs, our individual plans offer flexibility, affordability, and comprehensive coverage to meet your healthcare needs. Find My Plan Child Only Coverage We understand that children have unique healthcare needs, which is why we offer child-only coverage plans designed specifically for individuals under the age of 18. Whether you're a parent seeking coverage for your child or a caregiver responsible for a child's health, our child-only plans provide access to pediatric care, preventive services, and specialty care to support your child's growth and development. Find My Plan Family Coverage Family is at the heart of everything we do, which is why we offer family coverage plans designed to protect the health and well-being of your loved ones. Our family plans provide inclusive coverage for you, your spouse or partner, and your children, ensuring that everyone in your family receives the care they need, when they need it. Find My Plan Medicare Coverage For individuals aged 65 and older, as well as those with certain disabilities, Medicare coverage provides essential healthcare benefits and financial protection. Our Medicare plans offer a range of options, including Original Medicare (Parts A and B), Medicare Advantage (Part C), Medicare Prescription Drug Plans (Part D), and supplemental coverage (Medigap), to help you navigate the complexities of Medicare and find the plan that best fits your needs. Find My Plan Why Choose Us At The Benefits Store, we believe that everyone deserves access to quality healthcare, regardless of age, income, or health status. Whether you're seeking individual, family, Medicare, or child-only coverage, we're here to help you find the right plan to meet your needs and protect your health and well-being. Contact us today to learn more and take the first step towards comprehensive healthcare coverage for you and your loved ones. Comprehensive Coverage: Our plans offer a wide range of benefits, including doctor visits, hospital stays, prescription drugs, preventive care, and more. Affordable Options: We understand the importance of affordability, which is why we offer competitive rates and flexible payment options to fit your budget. Exceptional Service: Our dedicated team is committed to providing personalized assistance, answering your questions, and guiding you through the enrollment process with ease and efficiency. Trusted Partnerships: We work with leading healthcare providers and networks to ensure that you have access to high-quality care and services in your area.

Resource Center The Benefits Store Resource Center is designed to empower you with valuable information and insights on various health-related topics. From wellness tips to navigating insurance options, discover expert articles, guides, and tips on a variety of health topics, from insurance FAQs to wellness advice. Stay informed, make informed decisions and take proactive steps towards a healthier lifestyle. Elevate your wellness journey by tapping into the wealth of comprehensive information waiting for you. How to Pick a Health Plan Medical Condition Resources Health Terms Professional Resources and Ranking Senior Care and Aging Resources Consumer Information on Health Plans and Medicaid/Medi-Cal

Privacy Policy This Privacy Policy ("Policy") applies to www.benefitsstore.com, and Benefits Store Insurance Services, Inc. ("Company") and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to the Company include www.benefitsstore.com. The Company's website is a Insurance site. By using the Company website, you consent to the data practices described in this statement. Collection of your Personal Information In order to better provide you with products and services offered, the Company may collect personally identifiable information, such as your: -First and last name -Mailing address -Email address -Phone number If you purchase the Company's products and services, we collect billing and credit card information. This information is used to complete the purchase transaction. The Company may also collect anonymous demographic information, which is not unique to you, such as your: -Age -Gender We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services. These may include: (a) registering for an account; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future. Use of your Personal Information The Company collects and uses your personal information in the following ways: -to operate and deliver the services you have requested -to provide you with information, products, or services that you request from us -to provide you with notices about your account -to carry out the Company's obligations and enforce our rights arising from any contracts entered between you and us -to notify you about changes to our www.benefitsstore.com or any products or services we offer or provide through it -in any other way we may describe when you provide the information -for any other purpose with your consent. The Company may also use your personally identifiable information to inform you of other products or services available from the Company and its affiliates. Sharing Information with Third Parties The Company does not sell, rent, or lease its customer lists to third parties. The Company may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to the Company, and they are required to maintain the confidentiality of your information. The Company may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on the Company or the site; (b) protect and defend the rights or property of the Company; and/or (c) act under exigent circumstances to protect the personal safety of users of the Company, or the public. Tracking User Behavior The Company may keep track of the websites and pages our users visit within the Company, in order to determine what the Company services are the most popular. This data is used to deliver customized content and advertising within the Company to customers whose behavior indicates that they are interested in a particular subject area. Automatically Collected Information The Company may automatically collect information about your computer hardware and software. This information can include your IP address, browser type, domain names, access times, and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding the use of the Company's website. Links This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information. Security of your Personal Information The Company secures your personal information from unauthorized access, use, or disclosure. The Company uses the following methods for this purpose: - SSL Protocol When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol. We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet that are beyond our control; and (b) the security, integrity, and privacy of any and all information and data exchanged between you and us through this site cannot be guaranteed. Right to Deletion Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will: -Delete your personal information from our records; and -Direct any service providers to delete your personal information from their records. Please note that we may not be able to comply with requests to delete your personal information if it is necessary to: -Complete the transaction for which the personal information was collected, fulfill the terms -Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; -Debug to identify and repair errors that impair existing intended functionality; -Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech -Comply with the California Electronic Communications Privacy Act; -Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest -Enable solely internal uses that are reasonably aligned with your expectations based on your -Comply with an existing legal obligation; or -Otherwise use your personal information, internally, in a lawful manner Children Under Thirteen The Company does not knowingly collect personally identifiable information from children under the age of 13. If you are under the age of 13, you must ask your parent or guardian for permission to use this website. Email Communications From time to time, the Company may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our services, we may receive a notification when you open an email from the Company or click on a link therein. If you would like to stop receiving marketing or promotional communications via email from the Company, you may opt out of such communications by clicking on the unsubscribe button. Changes to This Statement The Company reserves the right to change this Policy from time to time. For example, when there are changes in our services, changes in our data protection practices, or changes in the law. When changes to this Policy are significant, we will inform you. You may receive a notice by sending an email to the primary email address specified in your account, by placing a prominent notice on our Benefits Store Insurance Services, Inc., and/or by updating any privacy information. Your continued use of the website and/or services available after such modifications will constitute your: (a) acknowledgment of the modified Policy; and (b) agreement to abide and be bound by that Policy. Contact Information The Company welcomes your questions or comments regarding this Policy. If you believe that the Company has not adhered to this Policy, please contact the Company at: Benefits Store Insurance Services, Inc. PO Box 238 Alamo, California 94507 Email Address: privacy@benefitsstore.com Phone Number: 925-478-3405 Effective as of January 01, 2025

Vision Your vision is important to your health. Whether it’s 20/20 or less than perfect vision, everyone needs to receive regular vision care. The benefits of an annual eye examination include: To correct visual deficiencies Improve reading ability and retention Decrease Eye Fatigue brought on by modern life such as hours of reading on your phone or computer Early detection of a variety of health issues including: Glaucoma, Cataracts, Arterial Sclerosis, Diabetes, etc. Carefully review the summary of your new Vision Care Program. Please, don’t take chances with your most precious possession – the gift of sight. Take advantage of this very important benefit. Vision Health Maintenance Organization (HMO) A type of vision insurance plan that usually limits coverage to care from optometrists who work for or contract with the vision health maintenance organization (HMO). An HMO may require you to live or work in its service area to be eligible for coverage. Copay : A flat fee you pay for specific services and products covered under your vision health care plan. Coinsurance : A percentage of the cost that you’re responsible for paying when you receive a specific service or product. People often confuse coinsurance with copays, but they’re different. Your plan may have copays or coinsurance — or it may have both. Vision Examinations : Your vision plan offers free periodic examinations. Vision Preferred Provider Organization (PPO) A type of vision health insurance plan that contracts with participating optometrists to create a network. You pay less if you use optometrists that belong to the plan's network. You can use optometrists outside the network for an additional cost. Copay : A flat fee you pay for specific services or products covered under your vision health care plan. Coinsurance : A percentage of the cost that you’re responsible for paying when you receive a specific service or product. People often confuse coinsurance with copays, but they’re different. Your plan may have copays or coinsurance — or it may have both. Vision Examinations : Your vision plan offers annual exams with a $15.00 co-pay in network, and $40 co-pay out-of-network.

HOW TO PICK A HEALTH PLAN Navigate the complexities of selecting the ideal health plan with our concise resource page on "How to Pick a Health Plan." Gain expert insights and practical tips for informed decision-making tailored to your unique needs. From understanding coverage options to evaluating costs, trust us to be your go-to destination for streamlined guidance. Your journey to a well-informed health coverage choice begins here. How to Pick a Health Plan CA Dept. of Insurance – Health Resource Guide Health Plan Calculator WebMD Health Insurance Quiz Health Insurance News and Advice Consumer Reports – Guide to Health Insurance US National Library of Medicine Health Topic Resources WebMD Prescription Drugs Best Health Insurance Companies Rankings

Available Voluntary Benefits Benefits paid directly to you that can help pay expenses if a covered accident occurs. Accident Insurance Find My Plan Provides a lump-sum benefit if you are diagnosed with a covered illness. These payments can be used however they are needed. Critical Illness Insurance Find My Plan Can pay a benefit directly to you for hospital stays or outpatient surgery, in addition to any medical insurance you have. Hospital Indemnity Insurance Find My Plan Helps offset out-of-pocket expenses incurred from initial diagnosis through recovery. Provides an additional benefit for cancer screening tests. Cancer Insurance Find My Plan