You Need an Assistor & Advocate.
We know insurance, so you don’t have to.
We will guide you through from start to finish, ensuring you procure the right coverage for your unique situation, and understand it.
Individual and Family Health Insurance Options
Not every person or family has access to employer sponsored health insurance coverage.
Employers typically require employees to pay 100% of dependent premiums & those dependent may qualify for financial help when enrolling in medical coverage through an exchange (HealthCare.gov & MNsure).
We're MNsure certified at EMEX and assist folks frequently with that process. Reach out to us for guidance.
The insurance and ancillary benefit options available
through EMEX Benefit Systems.
- Health Insurance (On & Off Exchange / MNsure)
- Dental
- Life Insurance
- Hospital Indemnity
- Critical Illness / Cancer
- Accident
- Short Term Medical Insurance
- Teledoc
We represent a spectrum of great individual & family insurance carriers.
As new carriers come into the market, we adjust our offerings and bring them to you. This list does not include all carriers available.
Don't see what you are looking for? We are able to get appointed to new carriers quickly and are licensed in multiple states.
EMEX Benefit Systems DOES NOT charge individuals & families a fee for our standard services.
EMEX will save you time & provide you with confidence that you have made the right coverage choices.
Let us show you options, explain, educate & get you in the right fit. We are only a call away.
Individual & Family Health Insurance
If enrolling in coverage during the annual open enrollment period (Nov 1-Jan 15) OR following a qualifying event, insurance carriers are not allowed to deny Americans membership due to pre-existing conditions. Your guaranteed access to any plan being marketed in your geographical location. Premiums are age, plan and location rated.
In Minnesota we have four major carriers to choose from (UCare / HealthPartners / BluePlus / Medica) on MNsure.
MNsure is the only insurance resource to determine public program eligibility or receive a advanced premium tax credit (APTC).
Many individual and family health insurance networks will restrict access to providers, clinics and hospitals. EMEX will ensure you select the appropriate plan, maintaining access to your care providers.
Call us for a walkthrough when navigating plan options. The amount of plans available to quote may be overwhelming.
You may not require coverages you're paying increased premiums for, or you may be missing out on long term tax sheltered advantages of HSA qualified plans. Some families may benefit from enrolling in separate plans.
**Applicants enrolled in public programs may be charged a fee for our services.
Individual & Family Dental Insurance
Individual & Family Dental Insurance is very popular. We're not suprised, considering the rapidly increasing costs of preventative services (cleaning & exams). EMEX contracts with three great dental carriers (Delta Dental / UHOne / Spirit).
Many dental plans bought direct require a waiting period be satisfied prior to basic or major services being covered, so be sure to call EMEX and we'll make sure you have a clear understanding of the "fine print" and plan parameters.
Almost everyone needs life insurance. The type and duration of coverage is an individual decision based on the type of need you have. Some of these needs are family income, debt retirement, estate planning, business transfer, loan requirements, buy sell agreements, funding of trusts and retirement planning.
EMEX Benefit Systems has the ability to quote and write life insurance coverage with many different companies. The company that has the best policy for you depends on your needs and potential underwriting risk. Many life insurance companies have great low cost term insurance for healthy risks, but not all companies can fulfill the needs of someone with a medical condition or someone who uses tobacco.
Critical Illness and Accident Insurance
UHOne Critical Illness and Accident plans are great supplemental options, paying cash benefits when diagnosed with a critical illnesses or when suffering from an accidental injury. Many members of high deductible health plans participate in these, using the cash benefit to help supplement deductible and out-of-pocket costs on their medical plan. A personal analysis of your circumstances will allow us to recommend the type and amount of coverage which best suits your needs. Please contact us for an exploratory discussion about your needs and our options.
Disability Insurance (Income Protection)
Disability Insurance is the cornerstone of any solid financial plan. None of us expect to be disabled but actually one-third (â…“) of all people are disabled, at least once for 90 days or longer prior to age 65. Depending on your particular circumstances, both short term and long term disability coverage are the only options to providing peace of mind for you and your family while you are well. The primary source of income to support you and your family in the lifestyle you have become accustomed to while you are sick or injured is through the income that is yours through a disability policy. We represent numerous companies that issue various types of disability coverages to different market segments.
One thing that's certain is the unpredictability of travel for you or even a non-traveling family member. From sickness to hurricane evacuations, or injury while traveling, our travel insurance options protect you - and your trip investment - even before you leave. If you are planning a trip, it is possible to buy peace of mind.
Health Sharing Plans
These programs are not insurance. This coverage option is a non-denominational; health-sharing ministry, allowing Individuals, couples, and families are underwritten for risk (health status review). Upon membership approval contributions are pooled and dispersed upon care.
Health-Sharing plans are not subjected to the ACA and state mandated benefits, so coverage as you may be used to are not consistent. It's our job to walk you through the differences before you commit to submission and participation.
Altrua HealthShare is an affordable alternative to health insurance due to the reasons above. Altrua offers three membership types (plans). Call us for a review of your needs, so we can present an option that fits.
Altrua can be a great alternative option for some, but are not great for everyone. We ensure you have a complete understanding of Altrua membership levels, exclusions and waiting periods before allowing you to enroll.
Membership in a health-sharing plan qualifies for a religious exemption from the ACA individual mandate
As always, we will make sure you understand in full what pros and cons exist with any plans we discuss with you.
FAQ
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Can I still go through MNSure?
Absolutely!
Cory is MNSure certified to ba able to assist you through the process. Not only at sign up, but if you ever have questions If you assign Cory as your assistor, he can get in and help navigate and guide you. Just call us vs a 1-800 number.
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If I go through you, will I pay more?
We are paid by the carriers direct. The cost to you is the exact same as it would be if you signed up with them direct. Free advocacy & help from EMEX Benefit Systems should sound pretty great!
On some occasions applicants may be shuffled into a public program. If this is the determination, there may be a fee charged for our time spent assisting in that process.
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What's it like to work with you?
Not that we enjoy tooting our own horns, but we are kind of fun to work with. Also, you would have a hard time finding a team more dedicated to do what is right for you.
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What is the process like?
The first step would be to find out what you are in need of. Once we establish that with a in-person, online or phone chat, we will get rolling on building the options to present to you. Then, we explain, educate, and help advise you.
Once you decide, we get you all set up.
Once you're set up, we help anytime you need it.
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What kinds of insurance can I get through you?
Medical
Dental
Life Insurance
Critical Illness
Accident
Cancer
Medicare Plans
Travel Insurance
Global Rescue