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How a FreedInsure Broker Combines These Products for You

Most insurance buyers stop after picking a single health plan. That works if you only have one risk to cover, but most people don’t. A complete benefits package usually combines a major medical plan (for doctor visits, hospitals, and prescriptions), one or two supplemental policies (for the gaps), and a life insurance policy (for income protection or final expenses). The combination matters more than any single product.

Here’s how the math typically works for a FreedInsure member. A 45-year-old single parent earning $55,000 might enroll in a subsidized ACA Silver plan for $80/month after federal premium tax credits. That covers doctors and hospitals, but it has a $4,500 deductible. Adding a hospital indemnity policy at $35/month pays $1,500 cash per hospital admission — which more than offsets a typical ER deductible hit. Adding a dental and vision plan at $40/month covers routine cleanings, exams, and a pair of glasses. A short-term disability policy at $30/month replaces 60% of income for up to 6 months if illness or injury keeps them out of work. A 20-year term life policy for $250,000 of coverage adds another $20/month. Total monthly cost: $205 for a complete benefits package that protects against medical bills, ER visits, dental and vision care, lost income, and income replacement for the kids.

Why Disability Income Belongs in Most Plans

Most people protect their car, their home, and their life — but not their income. That’s backwards. Your ability to earn income is usually your single largest financial asset. A 35-year-old earning $75,000/year who works to age 65 will earn over $2.25 million in lifetime income, before raises. Losing that for even 6 months can wipe out savings and trigger a cascade of missed mortgage payments, credit damage, and forced retirement-account withdrawals. Short-term disability handles the recovery window (surgery, maternity, mental health leave, broken bones), while long-term disability handles the catastrophic scenarios (chronic illness, serious injury, cancer treatment that extends past a year). Together they form the income-side counterpart to your medical-side health insurance.

Why Use a Broker Instead of Buying Direct?

Going directly to one carrier limits you to that carrier’s products and pricing. FreedInsure compares 40+ carriers across 42 states as an independent broker, which means we work for you, not for a specific company. You pay the exact same premium whether you enroll through us or directly with the carrier — the carrier compensates us, never you. Our service is and always will be 100% free.

Practically, that means three things. First, we screen every program you might qualify for — federal premium tax credits, Medicaid expansion, state-specific programs like New York’s Essential Plan or Pennsylvania’s CHIP, and Special Enrollment Period eligibility — in a single phone call. Second, we verify your doctors and prescriptions are in-network before recommending a plan, not after. Third, we coordinate supplemental and life insurance products so they actually fit together with your medical plan, instead of leaving overlap or gaps.

What’s Not on This Page

FreedInsure does not sell Medicare, Medicare Advantage, Medigap, or Medicaid plans. We focus exclusively on under-65 individual and family coverage, plus supplemental and life products that complement those plans. If you’re 65 or older and looking for Medicare coverage, we’ll point you to a Medicare-certified broker. If you’re enrolling in Medicaid, we can help you confirm eligibility but the enrollment happens directly through your state’s Medicaid office.