Clifton Eserman, PHIAS® HIA®

Medicare is a U.S. Government health program designed to help its citizens over the age of 65 or people who are permanent legal residents for at least five years.

While health insurance will help protect you from financial loss due to unexpected eye injury (and some disease), vision insurance is considered to be more of a “wellness benefit”. But, eye care benefits aren’t just for vision correction.

Short Term Catastrophic Health Insurance is a temporary health plan for individuals seeking affordable protection against significant unexpected illness or injury resulting in excessive medical bills when between jobs, employee benefits, or other transitional events.

Preferred Provider Organization (PPO) Dental Insurance is designed to pay the dental practices that have agreed to be part of a plan's network of providers, all or part of the pre-negotiated maximum allowable fee for dental treatments.

An affordable alternative to traditional dental insurance, these plans offer pre-negotiated discounts on most dental procedures for a low monthly /annual premium and in-office co-pays.

International health insurance for short-term leisure, study, missions, marine and business travel.

Instant term life insurance is a great way for people to shop online, purchase and obtain approval for life insurance coverage, in the same day and without a medical exam.

International health insurance for US citizens living or working overseas, missionaries, student/faculty, crew members or taking trips extending beyond a year.