Health Insurance

We offer Health Insurance products and plans from multiple insurance carriers.  Product plans are always chosen on the unique needs of our clients.

 

Life Insurance

RBR Benefits offers a complete selection of Life Insurance products from major carriers in the industry.

​

Medicare Supplements

Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:  Copayments; Coinsurance; and Deductibles.  We specialize in offering a variety of Medicare Supplements tailored to fit your needs and budget.  Have a question about your current Medicare Supplement? Please don't hesitate to call if you have any questions or concerns.  We are here to help!

​

Medicare Advantage Plans

Medicare Advantage Plans are another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D). In many cases, you’ll need to use health care providers who participate in the plan’s network and service area for the lowest costs. These plans set a limit on what you’ll have to pay out-of-pocket each year for covered services, to help protect you from unexpected costs. Some plans offer out-of-network coverage, but sometimes at a higher cost. Remember, you must use the card from your Medicare Advantage Plan to get your Medicare-covered services. Keep your red, white, and blue Medicare card in a safe place because you’ll need it if you ever switch back to Original Medicare.

​

Medicare Prescription Part D Plans

Medicare drug coverage helps pay for prescription drugs you need. Even if you don’t take prescription drugs now, you should consider getting Medicare drug coverage. Medicare drug coverage is optional and is offered to everyone with Medicare. If you decide not to get it when you’re first eligible, and you don’t have other creditable prescription drug coverage (like drug coverage from an employer or union) or get Extra Help, you’ll likely pay a late enrollment penalty if you join a plan later. Generally, you’ll pay this penalty for as long as you have Medicare drug coverage. To get Medicare drug coverage, you must join a Medicare-approved plan that offers drug coverage. Each plan can vary in cost and specific drugs covered. 

​

Disability Insurance

RBR Benefit Services offers many choices when it comes to purchasing Disability Insurance. Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary's earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work.

​

Dental Insurance

The right dental insurance can make dental care easy and affordable.  We have several options when it comes to selecting the right individual or family dental plan.

​

Vision Insurance

Protecting your eyesight is an extremely important part of overall health care. RBR Benefit Services has affordable vision options for eyeglasses, eye exams, and contact lenses.