VOLUNTARY
SUPPLEMENTAL
BENEFITS

Workplace, Individual & Family

HOW DO I PAY MY BILLS?

What are voluntary benefits? Voluntary benefits pay cash to the beneficiary. Each policy has a list of qualifying events that pays a specific cash benefit. The policy pays cash, you do what you want with the money. Voluntary benefits can be used in conjunction with or without your major medical.
Example Only: Fall off Ladder

X-Rays $120.00
Crutches $75.00
Hospital Confinement $900
Doctor Visit $125
Example Benefit: $1220

Aflac

Workplace Payroll & Individual and Family

• Accident
• Cancer
• Critical Illness
• Dental
• Short Term Disability
  
• Hospital Indemnity
• Whole & Term Life
• Vision

Allstate Supplemental

Workplace Payroll

• Accident
• Critical Illness (cancer included)
• Supplemental Health
• Disability
• Whole & Term Life
• Identity Theft Protection

Life Secure Supplemental

Individual & Workplace Payroll

• Hospital Recovery
• Personal Accident
• Critical Illness

Met Life Supplemental

Workplace Payroll

• Accident
• Critical Illness
• Cancer
• Dental (Full Plan)
• Disability
• Hospital Confinement
• Whole & Term Life

National General

• Critical Care
  
• Cancer

United Healthcare

Voluntary Dental & Vision available in Washington State. Other options available in other states like Accident, Critical Illness, Cancer & more. Please call to check what we have in your service area.

Unum Supplemental

Workplace Payroll

• Accident
• Critical Illness
• Hospital
• Short Term Disability
• Long Term Disability Dental.
  NOT AVAILABLE FOR THE FOLLOWING INDUSTRIES: - Logging, Unions, Police, Fire, Correctional, High Risk Industries, Air Transportation, Business Associations and Professional Membership Organizations.
  

MAJOR MEDICAL
VISION
DENTAL

Workplace, Individual & Family

Ameritas Dental

Individual & Workplace Group

Offering great dental benefit options for payroll workplace groups, individual & families.

Cigna Dental

Individual & Family Dental Plans with adult ortho options.

Aflac Dental

Individual & Workplace Payroll Groups

• Individual & Family Vision Plans
• Workplace Payroll Groups

Delta Dental

Individual & Workplace Group

• Individual & Family Vision Plans
• Workplace Payroll Groups

United Healthcare

Dental & Vision Plans Check Your Rate

VSP Vision Plans

Individual & Workplace Payroll Groups

• Individual & Family Vision Plans
• Workplace Payroll Groups

Medicare Options

MEDICARE ADVANTAGE
PART D DRUG PLANS
MEDIGAP SUPPLEMENTAL

Need Help With Medicare?

Medicare Advantage Plans, Part D Drug Plans, Supplemental (Medigap)

Medicare Advantage can be very confusing to say the least. We help our customers find the plan that is the best fit for their personal needs. From introduction to enrollment we will help you find clarity and share what plans are available in your service area. 

• Aetna
• Amerigroup
• Anthem
  
• Asuris / Regence
• Banner Health / Aetna
• Blue Cross Blue Shield of Alaska
• Blue Cross Blue Shield of Arizona
• Blue Cross Blue Shield of Michigan
• Blue Cross Blue Shield of Montana
• Blue Cross Blue Shield of Tennessee
  
• Blue Cross Blue Shield of Texas
• Bright Health
• Care First Virginia
• Centene
• CVS Caremark
• Cigna
• Cigna Healthspring
• Christus Texas
• Health Alliance
• Humana
• Kaiser
• Lasso / Zing
• Medica
• Medico
• Medigold
• Mod
• Molina
• Mutual of Omaha
• National General
• Oscar Healthcare
• Pacific Source
• Premera Blue Cross Blue Shield
  
• Providence
  
• Regence
  
• Silverscript
• Summacare
• Summit Health
• United Healthcare
• Wellcare / Centene
  

RETIREMENT
LONG TERM CARE
life

Workplace, Individual & Family

Are You Prepared?

Being Prepared is Everything

We are here to help individuals & families make decisions that will effect their future and their families future. We help guide you to retirement options, long term care options, life insurance options that match your needs and goals.

Show you options that can ease the financial stress of retirement by making sure you have all bases covered.

Show you options that can help you make sure the people and things that matter most to you are taken care of.

Obamacare / ACA Plans

do i qualify
for tax
credits?

We are Federal Marketplace Brokers, licensed and certified in 13 States. We can help you find out if you qualify for tax credits to apply towards your healthcare premiums greatly reducing your costs. If you do qualify, we will help you drill down available plans in your service area based on your individual or families needs.  

Out of Pocket Costs

HOSPITAL
INDEMNITY

Hospital indemnity plans are an excellent way to help cover out of pocket expenses if you are admitted to the hospital or held for observation. Great for Medicare Advantage Clients, Client's with high deductible plans or clients who just want the added extra piece of mind. Hospital Indemnity Plans pay cash benefits to you and not to your provider. You use the cash how you wish. Affordable and really a must have. Some plans have a renewable benefit as long as there are 60 days between incidents. Plus many other benefits either embedded or as a rider. Plans vary and the client has control over which benefit and options to have.

Disclosures

NEW LAWS FOR BROKERS & AGENTS

New laws will be in effect starting in 2023. These new laws were created to show transparency to consumers regarding agent / broker compensation and availability as to what plans they offer. Please see the new disclosure below required by law: - 

PLAN OFFERING DISCLOSURE - We may not offer all plans in your service area unless we are licensed, certified and appointed to the carrier.  However Central Washington Benefits represents all carriers listed on this website and more. Please note, not all carriers represented are listed here.

COMPENSATION DISCLOSURE - There is never a cost to our clients for our help. We are appointed to represent the carrier by the carrier.  As your sales agent or broker, I and/or my agency will receive compensation from plans on a per member per month basis if you choose to enroll as an individual or a family. This compensation is paid based on your enrollment in any plan we represent. You will not be billed for this compensation. You are only responsible for your monthly premiums and any copayments or cost share amounts that may be due when you seek care. 

You are being given this information as required by federal law, so that you are aware of the compensation I and/or my agency receives as a result of your enrollment in any plan.