Coverage Plans
Find the Right Coverage for Your Life
We work with all major carriers to match you with a plan that fits your health needs and your budget — at no cost to you.
Every Situation Is Different. Your Coverage Should Be Too.
Whether you're approaching Medicare age, raising a family, running a business, or navigating a life change — Safe Haven Benefits Group helps you cut through the confusion and find coverage that actually works for you. We're independent advisors, which means we compare plans across all major carriers with one goal: your best interest.
Medicare Advantage
All-in-one coverage that goes beyond Original Medicare.
Medicare Advantage (Part C) plans bundle your hospital (Part A), medical (Part B), and often prescription drug (Part D) coverage into a single plan — usually with extra benefits like dental, vision, hearing, and fitness programs. These plans are offered by private insurers approved by Medicare and often have lower out-of-pocket costs than Original Medicare.
Enrollment
Initial enrollment begins 3 months before your 65th birthday. Annual open enrollment runs October 15 – December 7.
Who it's for
Ideal for Medicare-eligible individuals who want comprehensive, bundled coverage with predictable costs and added benefits.
Key benefits
- Combines Parts A, B, and often D in one plan
- Often includes dental, vision, and hearing
- Annual out-of-pocket maximums for cost protection
- Many plans have $0 monthly premiums
- Access to fitness and wellness programs
Supplemental Insurance
Fill the gaps Original Medicare leaves behind.
Also called Medigap, supplemental insurance works alongside Original Medicare (Parts A & B) to cover costs that Medicare doesn't fully pay — like copayments, coinsurance, and deductibles. With the right Medigap plan, you can significantly reduce your out-of-pocket exposure and gain peace of mind when unexpected medical needs arise.
Enrollment
Best time to enroll is during your 6-month Medigap Open Enrollment Period, which starts the month you turn 65 and are enrolled in Part B.
Who it's for
Best for Medicare beneficiaries who want predictable costs and protection from large, unexpected medical bills.
Key benefits
- Covers Medicare copays and coinsurance
- Helps pay Part A and Part B deductibles
- Accepted by any Medicare-approved provider
- Guaranteed renewable as long as premiums are paid
- Standardized plans make comparison straightforward
Medicaid
Comprehensive coverage for those who qualify.
Medicaid is a joint federal and state program that provides free or low-cost health coverage to eligible low-income individuals and families, including children, pregnant women, elderly adults, and people with disabilities. Eligibility and benefits vary by state, and navigating the application process can be complex — we help you understand your options and get enrolled.
Enrollment
Medicaid enrollment is open year-round. Eligibility is determined by income, household size, and state-specific rules.
Who it's for
Individuals and families who meet income and eligibility requirements set by their state.
Key benefits
- Low or no-cost premiums and copays
- Covers doctor visits, hospital stays, and prescriptions
- Includes mental health and substance use services
- Long-term care coverage in many states
- Children's health coverage (CHIP) included
Family Plans
Keep your whole family covered under one plan.
Family health insurance plans cover you, your spouse, and your dependents under a single policy. We help you compare marketplace plans, private options, and employer-sponsored coverage to find the right balance of premiums, deductibles, and network access for your family's unique needs — including pediatric care, maternity, and preventive services.
Enrollment
Open enrollment for marketplace plans runs November 1 – January 15. Special enrollment is available after qualifying life events.
Who it's for
Families looking for comprehensive coverage that protects every member, from newborns to teenagers.
Key benefits
- Single deductible and out-of-pocket maximum for the family
- Pediatric dental and vision often included
- Maternity and newborn care coverage
- Preventive care at no additional cost
- Access to ACA marketplace subsidies if eligible
Individual Plans
Flexible coverage tailored to your health and budget.
Individual health insurance is for people who don't have access to employer-sponsored coverage — including self-employed individuals, freelancers, part-time workers, and those between jobs. We compare ACA marketplace plans, short-term options, and private plans to find coverage that fits your specific health needs and financial situation.
Enrollment
Open enrollment runs November 1 – January 15. Special enrollment periods apply after job loss, marriage, birth, and other qualifying events.
Who it's for
Self-employed individuals, freelancers, gig workers, and anyone without access to group or employer coverage.
Key benefits
- Plans available at every coverage level (Bronze to Platinum)
- Premium tax credits available based on income
- Essential health benefits required by law
- No denial for pre-existing conditions
- Telehealth and preventive care included
Group Employment
Competitive benefits that attract and retain great talent.
Group health insurance allows employers to offer health coverage to their employees — often at lower premiums than individual plans because risk is spread across the group. We work with businesses of all sizes to design benefit packages that fit your budget, meet your team's needs, and help you stay competitive in today's job market.
Enrollment
Group plans can be set up year-round. Employees typically enroll during an annual open enrollment period set by the employer.
Who it's for
Small businesses, mid-size companies, and employers who want to offer meaningful health benefits to their workforce.
Key benefits
- Lower per-person premiums than individual plans
- Employer contributions are tax-deductible
- Employees can add dependents to the plan
- Improves employee retention and recruitment
- SHOP marketplace options for small businesses
Not Sure Which Plan Is Right for You?
That's exactly what we're here for. A free, no-pressure conversation is all it takes to get clarity on your options.