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Health Insurance Policy

Health Insurance Policies protect your family's day-to-day and ensure you are all covered for the unexpected things that happen in life, allow you access to medical attention, and help keep you and your family from the burden of high medical costs and debt. 

What Is A Health Insurance Policy Used For?

  • Emergency situations

(Urgent Care, Emergency Room, Accidents)

  • Visits to the local Doctor and/or Hospitals

(General Practice, Audiologist, Sexual Health, Diagnosis, Exams, Check-Ups, Laboratory Services, X-Ray, Nursing Care) 

  • Specialist Care Doctors 

(Infectious Disease, Thyroid, Endocrinologist, Dermatologists, Ophthalmologists, Obstetrician/gynecologists, Cardiologists, Gastroenterologists)

  • Long-Term Care

(Hospice, Adult Day-Care,  Assisted Living, Respite Care, In-Home Assistance, Memory Care, Skilled Nursing Facility,

Emergency Medical Alert Systems)

  • Pharmaceutical Prescription Drug Plans

(Diabetics, PDP, Medicare Part D, Medicare RX, Formulary, Pharmacy)

  • Rehabilitation


(Occupational, Physical Injury, Car Wrecks, Traumatic Brain Injury, Acute Care, Subacute Care, Inpatient Care, Social Functioning)

  • Pain Management

(Tissue Injury, Inflammatory, Nerve Irritation, Functional Pain, Bioelectric Therapy, Broken Bones, Cluster Headaches, Shingles)

  • Cancer Treatments & Ongoing Care

Oncologist, Chemotherapy, Targeted Therapy, Immunotherapy, Biomarker Testing, Hormone Therapy, Radiation Therapy, Stem Cell Transplant, Surgery)

  • Psychology 

(PTSD, Bi-polar, Schizophrenia, Insomnia, Anxiety, Depression, Addictions, Relationships, Trauma,) 




  • ACA Compliant Health Insurance Plans

 Also Called "Major Medical Insurance", "Obamacare", or "The Marketplace". (HMO & PPO Networks)


  • Short-Term Medical Health Insurance Plans (HMO & PPO Networks)

  • Fixed Indemnity & Hospital Plans

  • Accidental Policies 

  • Cancer, Stroke, & Critical Illness Benefits

  • Supplemental Insurance Benefits 

Major Medical health insurance is known as many things but would most commonly be referred to as "Long-Term Health Care", as it can be renewed until age 65 guaranteed.

These types of policies typically come with benefits like co-pays on doctor's visits and drug prescriptions, covering pre-existing conditions and are guaranteed renewals yearly.


 Underwriting and premium are only based on tobacco use and age. 


Fixed Benefits, also known as "fixed indemnity" health insurance plans are another great alternative to Major Medical and Short-Term Medical health insurance policies. 

These plans work just like they sound, as they pay "fixed benefits" towards the specific doctor and hospital-related services, as listed in your coverage.


These plans are typically backed by $1-$2,000,000 max benefits per year and can help with overnight hospital stays and emergency services. 

Short-Term health insurance can be a great alternative to Major Medical for many different types of families needing health coverage.

With some of the same big-name networks as Major medical, these PPO plans will work in any state across the country, which makes sense for many.

Underwriting and eligibility are subject to current health conditions and may come with a lookback period on those pre-existing conditions.


Accident and sickness health insurance benefits are a great addition to the existing coverage, or can even be an additional alternative to having a full-coverage health insurance policy.

These policies are known as supplemental coverage and are very effective for helping you meet deductibles and out-of-pocket costs.

This is the most cost-effective health insurance solution available, and premiums amounts will vary based on what variances of coverage are added.


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Delta Dental

Delta Dental offers dental benefit coverage in 50 states Nationwide and currently serves over 80 million Americans. 

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Ameritas Dental & Vision

Ameritas offers dental, vision, hearing, and Lasik benefit coverage options and currently serves over 5 million Americans. 

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Aetna Dental & Vision

Aetna is a well-known Health Insurance provider that does offer dental, pharmacy, and behavioral health benefits to it's clients.



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For help, choose one of the above options to talk with a licensed health insurance expert:

  • Our health insurance experts at American Policy Insurers are standing by and here to provide you with vital and important information regarding the various types of health insurance plans available in your area that you may qualify for.

  • We offer a variety of health insurance products, with credible health insurance carriers that all offer unique types of Short-Term, Long-Term Medical, as well as supplemental health insurance policies.

  • You will get access to a certified and licensed broker by quickly and easily submitting your info online to check if you or your business would qualify for these different types of health insurance benefits that are subject to state regulations.  

  • In certain cases, some of our clients even qualify for premium Tax Credits that can be applied to certain parts of your health insurance premiums, courtesy of the US Government, and can be explained to you by your American Policy Insurer.

  • Does every business qualify for ERC?
    Not every business qualifies for this federal, tax credit funding. With that said, our tax credit experts only handle serious inquiries, professionals seeking advice and knowledgeable advice on how to get qualified for these limited time benefits. The provided information will be reviewed and a decision will be made on your potential eligibility. If we feel your business would be a good candidate for ERC, we handle the entire process for you start to finish, including submitting the official paperwork to the IRS. We have helped over 20 businesses get refund checks, some as large as $486,000, apply with American Policy Insurers today!
  • If my business is accepted for ERC do I have to pay these funds back?
    No, these are tax refund checks owed to you under the CARES Act, if qualified to recieve them. Our tax credit experts are ready to help determine your eligibility.
  • To qualify for this program, do only W-2 employees count for ERC credit?"
    Yes, only if the business had full-time W-2 employees between 2019-2021, will the business be eligible to receieve ERC tax credits.
  • If I have received PPP funding, am I still eligible for ERC?"
    Yes, you can still qualify for Employee Retention Credits unless it was authorized under the CARES Act. If qualified, you not have to pay these funds back, if your business meets the eligibility guidelines provided by our tax credit experts at American Policy Insurers.
  • What's considered a "decline in gross receipts"?"
    If your business experienced a shutdown due to the pandemic, a disruption in the supply chain or service your business provides, you may quaify for ERC.
  • Can non-profits apply to receive ERC?
    Yes! If you are a non-profit organization you can still get qualified for each full-time employee.
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