•  Monday-Friday 8:30AM-4:30PM

Health Insurance

Individual health coverage is insurance that you purchase on your own, on an individual or family basis.

Our team promises to make health insurance shopping simple. We explain everything in simple to understand language and help you avoid some common pitfalls when you transition from group health insurance to an individual plan.

We help with Marketplace plans (under age 65) for individuals and families. We’ll even help you qualify for a subsidy on the marketplace if you’re eligible.

If you're in between jobs, considering early retirement, self-employed, losing Medicaid or COBRA coverage, or if your child is turning 26 and can no longer stay on your plan, we can help.

The Open Enrollment Period runs from November 1 through January 15 each year and is generally your one opportunity to enroll in, renew, or change health plans through the Marketplace. If you enroll and pay your first premium by December 15, your coverage will start January 1. If you enroll between December 15 and January 15 and pay your first premium, your coverage will start February 1.

If you miss the Open Enrollment deadline, you may not have another chance to enroll in coverage until the following year. Exceptions to this would be if you experience a "qualifying life event" mid-year, which may include:

  • Marriage or divorce
  • Having a baby
  • Moving to an area where your current plan is not available
  • Losing other coverage like COBRA, Medicaid, or employer-sponsored health coverage
  • Turning 26 and no longer eligible to be covered under your parent's plan

You will need to make changes within 60 days of your qualifying life event. We commit to getting you signed up at the right time, making sure you know the difference between specific products, and won’t let you make guesses about your coverage. Our number one goal is to help you understand your benefits, cost, and coverage.

We also offer an array of additional ancillary products to meet all your insurance needs. These benefits are an affordable insurance option for many individuals and families and supply extra protection on top of your medical plan.

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DENTAL AND VISION

Dental Insurance plans cover preventative exams and cleanings and other dental services provided by in-network dentists.

Vision insurance plans provide coverage for annual exams by a network of eye care professionals such as ophthalmologists and optometrists and offer discounts on glasses and contact lenses.

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FINAL EXPENSE

Final expense insurance covers end-of-life expenses including funeral arrangements and any remaining medical or legal expenses that will need to be settled by your family.

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HOSPITAL INDEMNITY/CRITICAL ILLNESS

Hospital indemnity insurance supplements your existing health insurance coverage by helping pay expenses for hospital stays. Depending on the plan, hospital indemnity insurance gives you cash payments to help you pay for the added expenses that may come while you recover. Critical illness insurance is a plan that protects you in the event of a future major illness diagnosis.

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LIFE INSURANCE

Life insurance can secure your family’s financial future in the event of a tragedy. It gives you peace of mind while you're alive, and financial support for your loved ones when you're gone.

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LONG-TERM CARE

Long term care helps pay for assistance with the tasks of daily living either at home or in a facility.

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RETIREMENT PLANNING

Two of the greatest challenges Americans face today are healthcare and retirement. Each of those challenges are extremely complex but they’re also surprisingly interdependent. We offer comprehensive investment management and financial strategies coupled with unbiased advice and recommendations.

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SHORT-TERM MEDICAL

Short-term health insurance plans give you temporary, limited coverage during a lapse in permanent coverage. They are ideal solutions for individuals or families needing temporary coverage.

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TRAVEL INSURANCE

Leaving home for work, school, or vacation? Protect yourself and your family while traveling abroad.

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Health Insurance and Medicare Made Simple
Cornerstone Retirement Partners

2900 Charlevoix SE 310
Grand Rapids, MI 49546

  616-301-2581 Option 2

  616-301-2593

  [email protected]

  Monday-Friday 8:30AM-4:30PM