Insurance Providers
We manage a large portfolio of insurance products from over 40 top-rated insurance companies licensed to do business in the state of North Carolina.
We select only NC health insurance companies with a strong track record and continually monitor the quality of the companies we represent to ensure your satisfaction with the handling of your claims, the responsiveness to your questions, and the stability of your rates at renewal time.
Click on the hyperlinks or scroll down the page to see definitions of the products we offer, along with the carriers we do business with.
If you have any questions about the various products or carriers, or would like to start the process of developing a plan that’s right for your situation, please contact us today.
Products
“When it comes to health insurance plans John F Sipp & Associates is the one to call. His staff has many years of experience and is knowledgeable about all the health insurance providers in NC.”
Individual Health Insurance:
Health insurance for people who do not have group insurance benefits available.
Group Health Insurance:
Insurance written for businesses of one or more employees. Small groups (1-49 employees) are guaranteed issue.
Medicare Supplement:
Plans to fill in the gaps that Medicare doesn’t cover.
Individual and Group Life Insurance:
Individual written as permanent or term coverage with medical approval. Group is term coverage for 2 or more employees.
Short and Long Term Disability:
Replaces 60% of income in the event of a disability. Most groups of 2 or more employees can be written at guaranteed issue. Short term replaces income for up to 6 months, long term up to age 65.
Dental Insurance:
Individual coverage or for groups of 3 or more. Also available are discount dental plans that are not insurance but rather discounts on dental
prices. They offer no limits, no waiting periods, and are guaranteed issue.
“The professionals at John F. Sipp & Associates listened to my needs and using their knowledge and experience found the right answer for my insurance needs. I know that I can count on them.”
Travel Insurance:
Short term coverage while traveling outside the US.
Foreign National Medical Insurance:
Coverage for people with foreign citizenship while in the US.
Health Savings Accounts (HSAs):
Newest tax favored federal plan. It is 100% deductible. Can be written with multiple carriers and offers lower premiums.
Short Term Individual Health Insurance:
Catastrophic coverage mostly used by people between jobs. Less stringent health requirements. Provides coverage for up to 12 months.
Click here if you’d like to talk to us about any of these products.
Carriers
Here is a representative list of NC health insurance companies that we deal with:
John Alden (Group & Individual) — For online application for Short Term Health Insurance, click here
American Republic Insurance Company (Individual)
Wellpath (Group)
UnitedHealthcare (Group)
Humana (Group)
Cigna (Group)
Click here to contact us and learn about the full range of companies that we deal with.
