A few of the many health insurance carriers we work with:
Small Group Health Insurance
Group medical coverage refers to a single policy issued to a group (typically a business with employees, although there are other kinds of groups that can get coverage) that gives all eligible employees and their dependents the option of coverage. With groups such as small businesses, the insurer determines a premium price using general information on members of the group, such as age, zip code, and county. Insurers are required by law to offer coverage to small groups. The general rule is that if an employer offers group health coverage to any full-time employees, the employer must offer coverage to all full-time employees.
Individual Health Insurance
Individual health insurance is coverage that you purchase on your own, on an individual or family basis, as opposed to obtaining through an employer. The Frayser Group is able to help our clients find the right 'off-exchange' individual plan, meaning, directly through the insurance carrier but we do not assist with 'on-exchange' plans at this time. Traditionally, individual health insurance is less expensive than group health insurance, but rates may vary.
Short-Term Health Insurance
Individual Short-Term Health Insurance policies have a coverage duration of your choosing between 30-89 days, although legislation is pending approval to extend coverage duration to 364 days. Short-Term Health Insurance polices are not currently ACA (Obamacare) approved. Though expected to change in 2019, any individual who opts for Short-Term Health Insurance instead of an ACA-approved Health Insurance plan may be subject to a fine in 2018. If you are interested in Short-Term Health Insurance, contact The Frayser Group and we can get you a quote within 24 hours. Or, in just three steps, you can review your options and easily submit and application for Short-Term Health Insurance online yourself, using the UnitedHealthOne button below.
To receive a free health insurance quote, email contact@thefraysergroup.com and provide the following information:
For Individual Health: Please provide the Date of Birth, County, and Zip Code of the applicant
For Small Group Health: Please provide the name and nature of the business, the county and
zip code where the business is located, and how many full-time employees the business has
For Individual Health: Please provide the Date of Birth, County, and Zip Code of the applicant
For Small Group Health: Please provide the name and nature of the business, the county and
zip code where the business is located, and how many full-time employees the business has
INDEPENDENT
As independent brokers, we are not beholden to any one Health Insurance carrier. Our only goal is to find the best coverage for your particular needs. |
FREE
Our services come at no expense to you. That's right - for you, we are free. We get a commission from the insurance companies we work with. |
EXPERIENCED
Our team has over 35 years of experience. Owner Eddy Frayser has been voted 'Best Insurance Agent' finalist by RTD every year since 2015. |