Endorsed Insurance Services

Individual Health Insurance

Individual health insurance programs are designed for individuals and families who cannot obtain health insurance through an employer. Due to the continually rising cost of medical care, it has become more important to provide health insurance for you and your families.

Rich Davis offers health insurance programs to individuals which offer extensive coverage as well as high-deductible programs which are designed to protect against catastrophic financial losses.

As an independent agent, Rich Davis can provide insurance plans from numerous health insurance companies. With the health insurance market changing frequently, Rich is always on the lookout for quality, service-oriented insurance companies.

Group Health Insurance

In today’s environment, offering the right health insurance benefits can be a challenge. You want to provide the best possible plan for your employees yet it must also be cost efficient for your business.

Rich Davis is committed to health insurance for both commercial customers, who need group coverage for their employees, as well as the individual or family that needs coverage.

With the changing face of health insurance in today’s market, we are staying abreast of the latest developments that will affect the coverage you expect as well as the cost impact upon you.

Rich Davis offers a wide array of health insurance options, and always presents the best options for your needs at the best price available.

Long-Term Care Insurance

Long-Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age.

Rising life expectancy means that the potential need for “long-term care” grows with every passing year of your life. The likelihood is that you or a member of your family will need long-term assistance due to a prolonged illness, a disability, or general deterioration of your health and ability to perform routine daily activities.

Most long-term care expenses are not covered by Social Security or Medicare, Medicare Supplement (“Medigap”), or private health insurance. Medicaid pays for nearly half of all nursing home care, but you must meet federal poverty guidelines and may have to “spend down” most of your assets on health care.