Individual Health Insurance
Individual Health Insurance
Individual Health Insurance
If you are looking for individual health insurance, you should not have to sort through conflicting information or guess which plan actually works for your situation. You need clear, practical options and guidance you can trust. At Hereth Insurance Consulting, we help individuals, families, self-employed clients, and early retirees compare health insurance plans and choose coverage that fits their doctors, prescriptions, budget, and comfort level with out-of-pocket costs.
We take the time to explain the differences between plans and focus on what truly matters, including deductibles, copays, provider networks, prescription coverage, and out of pocket maximums. Our goal is to help you understand how a plan will perform when you need care, not just what it costs each month. By walking through these details upfront, we help you avoid common mistakes that can lead to unexpected medical bills or coverage gaps later.
We assist with a wide range of individual health insurance solutions, including individual and family health plans, coverage options for self-employed individuals and 1099 contractors, and short-term health insurance for temporary gaps in coverage when appropriate. We also help coordinate dental and vision insurance and supplemental options such as accident, critical illness, and hospital indemnity coverage to strengthen your overall protection and reduce financial stress.
Whether you are enrolling for the first time or reviewing your current coverage, we focus on helping you make a confident, informed decision that aligns with your real-life needs.
Group Health Insurance
Individual Health Insurance
Individual Health Insurance
If you are shopping for group health insurance for employees, you do not need added complexity, or one size fits all solutions. You need clear choices and a benefits plan your business can realistically manage. At Hereth Insurance Consulting, we help employers compare group medical options and build a benefits package that fits their budget, workforce, and long-term business goals, while keeping enrollment and ongoing service straightforward.
We guide you through the details that matter most, including provider networks, deductibles, employer versus employee contributions, renewal strategy, and key compliance considerations. Our focus is on helping you offer strong, sustainable coverage that supports your team and keeps your business competitive in hiring, without creating unnecessary administrative burden or surprise costs at renewal.
Beyond plan selection, we help you position and communicate your benefits package so employees understand what they have, how to use it, and why it matters. When benefits are clearly explained and easy to access, employees are more likely to value them, use them confidently, and view them as a reason to stay, which helps improve employee retention and reduce turnover.
We support employers with group medical plans, coordinated dental and vision benefits, life insurance and voluntary benefits, and supplemental coverage such as accident, critical illness, and hospital indemnity. From new hire onboarding and open enrollment to annual renewal reviews and cost control planning, we help ensure your group health insurance program works year after year for both your employees and your bottom line.
Dental Insurance
Dental Insurance
Dental Insurance
Dental insurance should be straightforward, whether you’re purchasing coverage for yourself or offering it as part of an employee benefits package. At Hereth Insurance Consulting, we help individuals, families, and employers compare dental plans and select coverage that fits real-life needs such as routine cleanings and exams, fillings, crowns, root canals, extractions, and major services without paying extra for features you won’t use.
For individual and family dental insurance, we’ll help you evaluate plan networks, expected dental work, and total cost so the plan actually performs when you need it.
For employer-sponsored group dental, we help you build a benefit employees appreciate, with clear plan options, smooth enrollment, and guidance that supports employee satisfaction and retention.
Dental insurance solutions we help with:
- Individual & family dental plans
- Group dental benefits for employers
- Comparisons for preventive, basic, and major services
- Orthodontic coverage options (when available)
- Clarity on waiting periods, annual maximums, deductibles, coinsurance, and provider networks
- Support with open enrollment, new hires, renewals, and employee questions
Vision Insurance
Dental Insurance
Dental Insurance
Vision insurance can be a simple, affordable way to reduce out-of-pocket costs for routine eye care and eyewear. At Hereth Insurance Consulting, we can individuals, families, and employers compare vision plans and choose coverage that fits how you actually use it, including annual eye exams, glasses, contact lenses, and prescription updates, without paying for extras you do not need.
For individuals and families, we help you select a plan that matches your eye care routine, preferred providers, and budget, while making the details easy to understand.
For employer-sponsored group vision, we help you add vision benefits employees will actually use, making your overall benefits package more attractive and supporting retention through better employee satisfaction.
Vision insurance solutions we help with:
- Individual and family vision plans
- Group vision benefits for employers
- Coverage comparisons for eye exams, frames, lenses, and contacts
- Clear guidance on allowances, copays, frequency limits, and provider networks
- Support with open enrollment, renewals, new hire onboarding, and employee questions
Accident Plan
Critical Illness
Critical Illness
Accident insurance helps when an unexpected injury leads to medical care and the costs add up quickly. Instead of paying providers, it is designed to pay cash benefits after a covered accidental injury, so you can use the money for deductibles, copays, prescriptions, therapy, transportation, household bills, and time away from work. Many plans cover injuries on or off the job, 24 hours a day, which makes this protection especially practical for active families and working households.
Critical Illness
Critical Illness
Critical Illness
Critical illness insurance is designed to help when a serious covered diagnosis creates financial pressure on top of medical concerns. Unlike major medical insurance that pays providers, critical illness coverage typically pays a lump sum cash benefit after a covered diagnosis, giving you flexibility to use the money where it is needed most. That can include deductibles and out-of-pocket medical costs, household bills, mortgage or rent, travel for treatment, and replacing income during recovery, so you can focus on healing instead of finances.
Hospital plan
Short Term Disability
Short Term Disability
Hospital indemnity insurance helps when a sickness or injury leads to a hospital stay and the out-of-pocket costs start piling up. While major medical insurance pays doctors and hospitals, a hospital plan typically pays cash benefits for covered hospitalization, giving you flexibility to use the money for deductibles, copays, coinsurance, lost wages, travel, childcare, rent or mortgage, and everyday bills while you focus on recovery.
Short Term Disability
Short Term Disability
Short Term Disability
Disability insurance helps protect your paycheck when an illness or injury keeps you from working. While health insurance helps pay medical bills, disability coverage is designed to replace a portion of your monthly income so you can keep up with housing, utilities, groceries, and other financial obligations while you recover. For many individuals and employees, lost income is the biggest financial risk during a disability.
Individual Life Insurance
Individual Life Insurance
Individual Life Insurance
Life insurance is one of the simplest ways to protect the people who rely on you. Whether you are starting a family, buying a home, growing a business, or planning for the future, the right life insurance policy can provide financial security when it matters most. At Hereth Insurance Consulting, we help individuals and families compare life insurance options and choose coverage that fits your goals, budget, and long-term plan.
We make the process clear by helping you determine how much coverage you need and what type of policy makes the most sense based on your situation. Life insurance can help replace income, pay off a mortgage, cover final expenses, protect children’s future needs, and reduce financial stress for your loved ones. For business owners, it can also support continuity planning and protect the company if a key person passes away.
We help with a wide range of life insurance solutions, including term life insurance for affordable protection over a set period and policies designed to support estate planning or long-term family security. If you are looking for coverage through work, we can also help review employer provided options and identify gaps that a personal policy may need to fill.
Our goal is to help you get the right coverage with confidence, so you know exactly what you are buying and how it will protect your family.
Group Life Insurance
Individual Life Insurance
Individual Life Insurance
Group life insurance is a practical, high value benefit that helps employers protect their people and strengthen their overall benefits package. Offering employer sponsored life insurance shows employees, you are invested in their families and long-term security, and it can improve recruiting, morale, and retention. At Hereth Insurance Consulting, we help employers design group life insurance that fits their workforce, budget, and benefits strategy, while keeping administration simple.
We guide you through the key decisions that impact cost and employee value, including benefit amounts, eligibility rules, and employer paid versus voluntary options. Group life insurance can provide a base amount of coverage for employees, with options to purchase additional coverage through payroll deduction. Many employers also include optional benefits such as dependent life coverage, and in some cases, additional protections that complement life insurance for a more complete package.
We support employers with group term life insurance, voluntary life options, and coordination with broader benefits such as health, dental, and vision. We also help with open enrollment communication, new hire onboarding, and annual reviews to ensure the plan continues to meet your goals as your business grows.