INDIVIDUAL INSURANCE PLANS
Health
Insurance
Covers medical expenses like doctor visits, hospital stays, and prescriptions, helping you manage health costs and avoid big bills.
Dental
Insurance
Pays for dental care, including check-ups, cleanings, and procedures like fillings, helping you maintain oral health and avoid expensive treatments later.
Vision
Insurance
Covers eye exams and glasses or contacts, making eye care more affordable and helping you stay on top of your vision health.
Secure Lower Premiums and Enjoy Immediate Access to Health, Dental, or Vision Benefits
Locking in coverage now lets you secure lower premiums while enjoying immediate access to health, dental, or vision benefits. Acting early means you're protected from potential premium increases and unforeseen health changes, giving you peace of mind that your needs are covered at a cost that fits your budget. Avoid waiting and facing higher costs or limited options later—protect your health and finances by enrolling today.
1
Gather Your Information
We begin with a conversation to understand your unique needs, goals, and any specific coverage concerns.
2
Speak with an Agent
Call us today and explore the best employee benefits insurance plans that fit your needs.
3
Review Your Options
We’ll walk you through quotes from multiple providers, highlighting the most competitive and comprehensive options.
4
Finalize Your Policy
Once you’re ready, we handle the setup, ensuring a seamless experience so you can move forward confidently.
With Health Insurance, you will have access to…
✓ Financial Protection
Health insurance helps cover the high costs of medical care, from routine visits to hospital stays, reducing the risk of financial strain.
✓ Access to Preventive Care
Routine check-ups, vaccinations, and screenings are often covered, which helps catch health issues early.
✓ Reduced Out-of-Pocket Costs
By covering a portion of expenses for doctor visits, prescription drugs, and emergency care, insurance helps make healthcare more affordable.
✓ Mental Health Support
Many plans include mental health services, making therapy and counseling accessible and affordable.
✓ Choice of Providers
Depending on the plan, health insurance gives you access to a network of doctors and specialists, ensuring you can find care when you need it.
✓ Peace of Mind
Knowing you’re covered for medical emergencies and ongoing health needs reduces stress and allows you to focus on staying healthy.
With Dental Insurance, you will have access to…
✓ Affordable Preventive Care
Dental insurance often covers routine cleanings, exams, and x-rays at little or no cost, promoting oral health.
✓ Cost Coverage for Procedures
Helps pay for essential treatments, like fillings, crowns, and root canals, which can be expensive without coverage.
✓ Orthodontic and Specialty Care
Some plans cover orthodontics (like braces) and specialized treatments for children and adults.
✓ Improved Oral Health
Access to regular care can prevent larger health issues, as oral health is linked to overall health.
✓ Better Budgeting for Dental Costs
Predictable premiums make it easier to budget for dental expenses, instead of facing large out-of-pocket costs for unexpected issues.
With Vision Insurance, you will have access to…
✓ Routine Eye Exams
Vision insurance typically covers annual eye exams, helping detect changes in vision and other eye health concerns early.
✓ Affordable Corrective Lenses
Coverage or discounts for glasses, contact lenses, and lens options (like anti-glare or scratch-resistant coatings) make corrective eyewear more affordable.
✓ Access to Vision Care Providers
Vision insurance provides access to eye doctors, including optometrists and ophthalmologists, for both routine and specialized care.
✓ Discounts on Corrective Surgery
Some vision plans offer discounts on LASIK or other corrective surgeries for vision correction.
✓ Eye Health Monitoring
Regular eye exams can reveal signs of other health issues, like diabetes or high blood pressure, helping with early diagnosis and treatment.
Here’s how we make the process seamless and effective
1
Understanding Your Needs
We start with a detailed consultation to assess your business size, budget, and employee demographics, ensuring we design a benefits package tailored to your unique needs and financial goals.
2
Customized Benefits Solutions
Health Insurance: Affordable group health plans, including HMO/PPO options, tailored to your workforce while managing costs. Dental and Vision Insurance: Accessible, budget-friendly plans that support employee wellness and reduce overall healthcare expenses.
3
Cost-Saving Strategies
Optimize your benefits package to avoid overpaying for unused or underutilized coverage. Leverage our expertise to secure competitive rates through our partnerships with top carriers.
4
Compliance Expertise
We navigate California’s complex benefits regulations, such as ACA compliance, COBRA administration, and state-specific leave laws, ensuring your program avoids costly penalties and meets all legal requirements.
5
Technology-Driven Administration
Simplify enrollment and ongoing management with user-friendly platforms that reduce administrative overhead and minimize errors.
6
Ongoing Service and Adjustments
As your business evolves, we continuously optimize your benefits package to adapt to changes in workforce size, regulations, or company goals, ensuring you maintain cost efficiency over time.
What makes Fishman &
Associates different?
Our commitment to service means you get independent, unbiased advice that prioritizes your needs. We make insurance simple, affordable, and effective with personalized guidance and competitive rates.
