Individual Insurance Raleigh, Cary, Apex, Durham NC

Companies we work with

Aetna

Assurant Health

Blue Cross Blue Shield of North Carolina

Cigna

Delta Dental

United Healthcare

Guardian

The Hartford

Health Plan Services

Humana

Lincoln Financial Group

Metlife

Principal Financial Group

Unum

Wellpath

We can help find you the provider that best fits your needs! CALL (919)783-8844

Individual Insurance

J Cavenaugh Insurance offers individual health insurance plans that protect you and your family. We offer a variety of affordable health plans designed to fit your individual health insurance needs.

We offer expert knowledge and advice on a variety of insurance companies and their products designed to meet your individual, family and business needs. Because various insurance carriers and underwriters assess customer eligibility in a variety of ways, it is important to have a company that is looking out for your best interest and understands the best options for you.

Click on the Individual Health plans below to learn more.

+ Short Term Medical Insurance

Just lost your job? Just been terminated from your parent's coverage? Does your new job have a probationary period before your benefits begin? Need coverage for only a few months? One month?

Short term insurance is a flexible plan for people who need insurance from 30 to 160 days. If you are looking for a plan that covers you for a short time period and that offers you protection against unexpected health care expenses, consider short term health insurance. Whether you've just graduated from college, are between jobs, or plan to retire early, short term medical insurance provides flexible and reliable coverage at a relatively cheap cost. We, also, can help you get extra coverage for foreign travel. The application is brief and easy to complete.

+ Permanent Medical Insurance

We offer permanent medical insurance from many different carriers so you can choose the plan, company and deductible that works best for you! You can have the comfort of having group-like benefits in an individual policy. You can have physician office visits and prescriptions covered with a copayment or you can have the flexibility of an Health Savings Account(HSA) by depositing monies in a special tax preference savings account. A regular, permanent policy can be kept for as long as you need coverage.

+ Medicare Supplements

Turning 65 soon? Confused by all the mail you have received? Has your former employer dropped your retiree coverage?

Medicare is an insurance program administered by the United States government providing health insurance for those who are aged 65 or older or for disabled persons who have been approved by Social Security for disability benefits. Medicare pays providers of medical care just a portion of the total charges. Medicare Supplements provide additional payments to health providers beyond what Medicare pays. Depending on which plan you select, there are plans which will leave very little of the bills for you to pay.

+ Medicare Part D

Medicare Part D provides prescription drug coverage for eligible Medicare recipients. This coverage provides different benefits for prescription drug coverage. You can select from different co-pays for generic prescriptions, as well as brand name prescriptions. Your pharmacist can assist you in selecting which insurance company would cover most of the prescriptions you currently take. This coverage can be changed annually. What more should you know?

+ Dental

Need a routine checkup at the dentist? Lost your group dental benefits? We offer various dental plans that can be either included with your health coverage or stand-alone. Dental insurance is designed to pay a portion of the costs associated with your dental care. Typically, dental plans cover a routine checkup every 6 months.

+ Vision

Need vision benefits? Vision insurance is sometimes tied in with your health coverage, but sometimes it is not. Vision insurance may cover varying eye needs such as routine eye exams, frames, lens, and contact lenses. This coverage can be a stand-alone plan or may be included with medical or dental insurance.

+ Life

Life insurance is most often purchased to take care of the financial needs of the surviving family and other loved ones. There are formulas to help you decide just how much life insurance you and your family need. There are many questions that only a professional can help you answer. What type of life insurance should I buy? How much do I need? Who should own the policy? Who should be named the beneficiary? These are all questions that we are here to answer for you. Life insurance is also purchased for deferred compensation plans, Key Man, and funding for buy/sell agreements.

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