Routine trips to the dentist and eye doctor should be part of your family’s quest to stay healthy. Seeing your dentist twice a year and routine eye exams help maintain overall health, but the cost of dental care and vision care can really add up. Imagine being able to enjoy significant savings on dental care and vision care. That is what Careington’s dental – vision discount plans are for. These plans are NOT insurance. They are easy-to-use programs designed to instantly save you money right in the provider’s office. Just search for a participating dentist, optometrist or LASIK provider and schedule an appointment. Then show your ID card located in your phone app and you and your family can start enjoying the savings immediately! Careington discount plans are great for individuals, families, employers, and retirees who need dental and vision treatment. With Careington, spend less on a plan designed to save you more.

Keep your smile healthy with access to a nationwide provider network.

Getting the right care is easy and convenient.

Whether you wear glasses or have perfect vision, preventive eye care is an important part of managing your overall health. The right vision insurance plan can help reduce the cost of eye exams, frames, lenses, and other services. Consider this, two out of every three Americans are affected by vision problems. With the increased use of computers and mobile devices as part of our daily routine, 70% of adults in the US will experience some form of eye strain, requiring medical attention. Vision insurance helps you save money by giving you access to VSP’s Nationwide network of eye care centers with discount rates that offset the expense of eye exams, glasses, and contact lenses for a small copay. If you are an individual, a family, or retired and insured by Medicare, we are ready to help you take control of your vision care cost.

 River is a subscription service for your everyday health needs. With River, you can see a doctor when you’re sick, get prescription refills, selected labs, birth control, nutritionist appointments, and more for just $35/month.

CuraLinc’s strategic approach to employee assistance (EAP) administration provides guidance and advocacy to help employees address depression, anxiety, relationship concerns, substance use problems, legal and financial issues, stress and grief.

CuraLinc Healthcare’s employee assistance (EAP) and member assistance (MAP) programs provide an organizational, yet confidential, approach to working constructively with employees and members who experience personal and work-related problems that impact their health, productivity, wellbeing and emotional fitness.

Pet Assure & WhiskerDocs & Access Development provides your pets the care they deserve at a price you can afford. Pet Assure will provide savings of 25% off in-house medical services at participating veterinarians, including routine care visits, sick visits, vaccinations, emergency visits, surgeries and even dental care. Veterinary care is expensive! Pet Assure helps make it affordable and is not insurance, so you receive discounts for any pet and the number of pets is unlimited. It’s easy to use: Present your member ID card at a participating vet and the vet will automatically discount your bill. In addition, your membership includes a 24-hour pet hot line: WhiskerDocs, a team of veterinarians and veterinary technicians that are ready to talk when something seems wrong with your fur baby. Lastly, Access Development is included, providing 10%-50% discounts at 250,000 retailers and also includes discounts on hotels, car rentals and more. Benefits for Pets only costs pennies a day and can easily save you hundreds of dollars.

MASA MTS is here to protect its members and their families from potential gaps in health insurance coverage by providing them with comprehensive financial protection for lifesaving emergency transportation services, both at home and away from home. Many American employers and employees believe that their health insurance policies cover most , if not all ambulance expenses. The truth is, they DO NOT! Even after insurance payments for emergency transportation, you could receive a bill up to $5,000 for ground ambulance and as high as $70,000 for air ambulance. The financial burdens for medical transportation costs are very real.

Alliance Supplemental Insurance is designed to pay a fixed benefit amount for certain critical illnesses, like a heart attack or cancer, and for hospital confinement due to a covered accident or sickness. These benefits are paid directly to the covered person and can be used for any purpose. Alliance Supplemental Insurance can also provide reimbursement for out-of-pocket medical expenses due to a covered accidental injury, after a per accident deductible is met. These benefits will pay medical expenses not covered by another insurance coverage including deductibles, coinsurance, and copays.

Accident Medical Expense insurance, sometimes called AME, reimburses a Covered Person’s medical expenses not covered by other insurance for a covered accident or injury after a $100 per accident deductible. AME has three plans to choose from to help pay for your cost for covered emergency room visits, ambulance rides, prescription medications, hospital stays and even doctor office expenses. When the unexpected accident happens, we are here to help.

This benefit is an insurance benefits paid to your beneficiary due to an accidental death. Dismemberment benefits are paid due to loss of eyesight, loss of hearing, loss of speech, or any loss of two limbs caused by an accident. Many of our everyday activities come with built-in risks and unfortunately, accidents happen more often than we would like to think. Accidents are the third leading cause of death in the US. Having an extra layer of protection can be a comfort to your loved ones. While you cannot predict when accidents happen, you can certainly be prepared for them when they do occur. Get Covered Today, Get A Quote!

Identity Theft occurs when someone uses your name or personal information without your knowledge to commit fraud or theft. This includes opening a credit account, taking out a loan, filing fake tax returns and /or making a major purchase fraudulently. Once your identity is compromised, thieves can use it repeatedly, using each new account as a reference for the next one.

Most people simply can’t afford to rebuild their home and replace everything in it if there’s a disaster. A home insurance policy can protect your property, some of your personal possessions and you.

Home is a place to relax. So, when you get home and let your guard down, we step up. Providing protection when and where you need it most. We’re proud to offer dependable home insurance policies. Get a homeowners quote online to start protecting your home, belongings give you and peace of mind.

If you live in a rented apartment, condominium or home, you need to protect yourself, your space and your stuff. Some managed communities even require that you have a certain amount of renters coverage as part of your lease agreement. Typically, your landlord’s policy won’t help if your belongings are stolen or damaged. For that you need renters insurance.

If you own a condo, the building’s master policy may not be enough to cover your space or personal belongings. Condo insurance provides protection for your things and the parts of your condo that are your responsibility. We’ll be there, along with our superior claims service, in the event of theft, natural disasters and other types of covered damage.

The best time to think about flood insurance is before you actually need it. Everyone lives in either a high-risk or low-risk flood zone. Getting a flood insurance quote is the first step toward giving yourself peace of mind.

If you live in a rented apartment, condominium or home, you need to protect yourself, your space and your stuff. Some managed communities even require that you have a Keep your home running smoothly and your budget intact with a home warranty from AFC Home Club. AFC’s warranty plans repair or replace your home’s systems and appliances when they break down AND cover the cost.* When essential items like your air conditioner, refrigerator, water heater, or plumbing malfunction, simply call AFC or request service online–AFC will take care of the repair and pay for any covered items. With coverage available for up to 24 household items, it’s easy to find a plan that fits your home and your budget. Plus, AFC’s flexible coverage lets you choose your own technician.

When your recreational vehicle breaks down, repairs are expensive. ARW’s warranty plans protect RVers from unexpected repair costs. Our plans cover a wide range of mechanical components, from engines and fresh water systems to air conditioners, water heaters, slide-out mechanisms, accessories, and more. Founded by warranty experts with over 50 years’ experience, ARW brings peace of mind and savings for any type of RV, from diesel Class A motorhomes to travel trailers. Our award-winning administrative team works hard to bring you reliable coverage and great service.

A Business Owner’s Policy (BOP) combines business property and business liability insurance into one business insurance policy. BOP insurance helps cover your business from claims resulting from things like fire, theft or other covered disasters. Business owners insurance also helps cover claims that could arise from your business’s operation. 

• These include claims of bodily injury or property damage. They also include claims related to personal and advertising injury.
• Businesses can tailor their Business Owner’s Policy (BOP) to help meet their unique needs by adding optional coverages like: data breach, business income for off-premises utility services or other specialized coverages.
• A BOP Policy is great because it can be custom-made to fit industry specific businesses. This means it’s great for businesses of any size especially small businesses. 
• Customizing your BOP Insurance is an imperative first step when insuring your business. You should do this from the beginning to protect against loss and damages early on.

Commercial umbrella insurance gives you extra coverage to help pay for costs that exceed certain liability policy limits. Without this type of commercial insurance coverage, you’d have to pay out of pocket for liability claims that cost more than your coverage limits. 

When you run a small business, you face many physical risks, like property damage and injuries. But your business also faces risks that come from using technology. These include everything from data breaches to hacking.  To protect against those risks, many businesses add cyber insurance to their business insurance policies. 

 Data breach insurance helps your business respond to breaches and can offer enough protection for small business owners. 

• Cyber liability insurance is typically meant for larger businesses and offers more coverage to help prepare for, respond to and recover from cyberattacks.
• Hackers can target personally identifiable information (PII) or personal health information (PHI) you keep on your business’ computers. 
• It’s important to protect your business with data breach or cyber liability insurance, to help you respond quickly after a data breach or cyberattack.

Commercial property insurance is an essential coverage for business owners, especially when running a home-based business. 

• It helps protect the owned or rented property that you use to operate your business, such as your: Building, Equipment, Tools, Inventory, Furniture, Personal property
• For home-based business owners, this type of commercial insurance provides more coverage than homeowners insurance. 

For businesses with employees, workers’ compensation insurance is important. This is typically purchased separately from a Business Owner’s Policy (BOP). It’s also mandatory in most states.

For businesses that use cars and trucks, commercial auto insurance is another important policy to consider. This policy helps protect your business from financial losses when an employee is found at fault for an auto accident.

Have the ability to connect to a doctor, dermatologist, or behavioral health provider from wherever you are via phone or video. The provider is also able to prescribe medication as appropriate.