HORIZON TOTAL COVERAGE

Health Insurance

Comprehensive Health Insurance Coverage for Every Stage of Life

Horizon Total Coverage (HTC) – Your Comprehensive Insurance Partner Beyond Health Care At Horizon Total Coverage (HTC), we understand that your insurance needs extend far beyond health care. As your dedicated insurance advisors, we are committed to being your long-term partner in all aspects of insurance, guiding you through life’s various stages with expertise and care. While we excel in providing top-tier health insurance solutions, our expertise also spans a wide range of insurance services designed to secure your overall well-being and peace of mind.

Personalized Health Insurance Plans as Part of Your Complete Coverage Strategy In the health insurance realm, HTC stands out for our personalized approach. We cater to the unique needs of individuals and families at every life stage – from welcoming a new baby, navigating adult health complexities, to ensuring comfort and care in retirement. Our health plans are a cornerstone of a broader insurance strategy that we develop with you, ensuring seamless integration with your other insurance needs.

Building Enduring Relationships Across All Your Insurance Needs.

As independent agents, our focus is on building lasting relationships with our clients. We aim to be your trusted advisor not just in health insurance but in all areas of your insurance portfolio. Whether it’s life, disability, long-term care, or specialized insurance services, we are here to provide expert guidance. Our commitment is to understand your unique circumstances and recommend solutions that best fit your life, ensuring that you’re comprehensively covered in every aspect.

Your Lifetime Partner in Insurance.

From welcoming a new baby to navigating the complexities of adult health, and into the golden years of retirement, HTC is there. Our plans are robust yet flexible, designed to adapt to changing life circumstances.

Choosing HTC means opting for a partner who values your trust and prioritizes your needs across the full spectrum of insurance services. We are dedicated to ensuring that every insurance decision you make is informed, beneficial, and perfectly tailored to your life’s journey. With HTC, you gain more than just a health insurance plan; you gain a lifelong ally in all your insurance endeavors, dedicated to safeguarding your interests and enhancing your peace of mind.

Catastrophic Health Insurance:

 A Smart Choice for the Right Situation.

At HTC Insurance, we recognize that everyone’s health coverage needs are unique. That’s why we offer Catastrophic Health Insurance plans, tailored for those who seek protection against major medical expenses without the comprehensive coverage of a full plan. Our Catastrophic plans are an ideal solution for young individuals, those in good health, and anyone who needs a safety net for worst-case scenarios. These plans primarily cover three primary care visits per year and preventive services at no cost, ensuring that you’re not left vulnerable in times of serious health emergencies.

 

When Less is More:

 Choosing Catastrophic Coverage Over Full Coverage

Opting for a Catastrophic Health Insurance plan can be a wise financial decision under the right circumstances. If you’re under 30, or qualify for a “hardship exemption,” these plans are designed to give you peace of mind. They come with lower monthly premiums, making them budget-friendly while still providing essential health benefits in case of severe illness or injury. It’s the perfect choice for those who want essential coverage without the added cost of features they might not need. At HTC Insurance, we’re committed to helping you find the balance between cost and coverage, ensuring your insurance plan aligns perfectly with your lifestyle and budget..

Medicare Supliments

Maximize Your Medicare Benefits with HTC’s Expert Guidance.

Navigating the complexities of Medicare can be overwhelming, especially when trying to maximize coverage while minimizing expenses At HTC, we’re here to transform this challenge into a seamless journey. Our team of Medicare Experts is passionate about crafting a Medicare experience that’s tailored just for you, ensuring you leverage every benefit to its fullest potential.

Choosing HTC for your Medicare needs means you’re not just getting guidance; you’re gaining a partner. We believe in a personalized touch, recognizing that your healthcare needs are as unique as you are. Our experts are adept at navigating the intricate landscape of Medicare, from the basic to the complex, making sure you’re equipped with the knowledge to make choices that align with both your health requirements and financial preferences.

With HTC, you’re assured of a supportive guide through the Medicare maze, focusing on optimizing your benefits while keeping costs in check. Trust us to be your advocate in securing the coverage you deserve, allowing you to concentrate on enjoying life to the fullest, with peace of mind about your healthcare.

Understanding the ABCs (and D) of Medicare

Medicare is divided into four parts, each covering different aspects of your healthcare needs.

  • Part A (Hospital Insurance): This covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care. Our experts can help you understand the specifics of Part A coverage and how to optimize its benefits.

  • Part B (Medical Insurance): Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services. Navigating Part B can be tricky, and our team is here to ensure you get the necessary coverage without unnecessary expenses.

  • Part C (Medicare Advantage Plans): An alternative to Original Medicare, these plans are offered by private companies approved by Medicare. They often include Part A and B and sometimes Part D. Our experts can assist in comparing different plans, helping you find one that aligns with your health needs and budget.

  • Part D (Prescription Drug Coverage): This part adds prescription drug coverage to Original Medicare, among other benefits. Understanding the nuances of Part D is crucial, and our team is adept at finding plans that cover your medications at the lowest possible cost.

Pet Insurance

The Importance of Pet Insurance

Embracing Our Furry Friends

Our pets are more than just animals; they’re cherished members of our families who bring joy, companionship, and love into our lives. They share our homes, our hearts, and in many ways, our life’s journey. Just as we protect our family members with health insurance, our furry friends deserve the same level of care and protection. This is where Pet Insurance comes into play, offering a safety net for those unexpected veterinary visits and treatments that are part and parcel of pet ownership.

Why Pet Insurance Matters

Veterinary care has made significant advances, and with these advancements come increased costs. From routine check-ups to emergency surgeries, the financial aspect of care can be overwhelming. Pet Insurance provides a financial cushion, ensuring that decisions about your pet’s health are driven by love, not financial limitations. It covers a range of medical needs, from minor injuries to chronic conditions, giving your pet access to the best possible care without breaking the bank.

The Consequences of Being Uninsured

Without Pet Insurance, pet owners face tough decisions:

  • High out-of-pocket costs for treatments and emergencies.
  • The heartbreaking choice between financial stability and a pet’s health.
  • Delayed or foregone treatments, compromising the pet’s quality of life.

Choosing HTC for Your Pet Insurance Needs

At Horizon Total Coverage (HTC), we understand the deep bond you share with your pets. Our independent agents are dedicated to finding the best Pet Insurance policies that offer comprehensive coverage for your furry family members. We believe in providing options that fit your pet’s unique needs and your budget, ensuring they receive the care they deserve.

Why Partner with HTC?

Choosing HTC for your Pet Insurance needs means:

  • Access to a wide range of plans from various providers, ensuring the best fit for your pet’s needs.
  • Personalized service from agents who view your pets as part of the family.
  • The assurance that we’ll recommend the best plan for your pet, even if it’s not one we offer directly.

Our commitment is to your peace of mind and your pet’s well-being. With HTC, you’re not just insuring a pet; you’re safeguarding a family member. Let us help you protect those non-human companions who fill your life with joy and love. Contact HTC today to find the perfect Pet Insurance plan and ensure your furry friends are covered for every paw step of their journey with you.

 

Vision Plans

Clear Vision Ahead with HTC Vision Plans

See life in high definition with HTC’s Vision Plans, designed to keep your eyesight sharp and your health in focus. Vision care is more than just updating your prescription; it’s about comprehensive eye health, from routine exams to stylish eyewear and beyond.

How It Works: Our Vision Plans are straightforward, offering easy access to a wide network of optometrists and ophthalmologists. Enjoy benefits like annual eye exams, allowances for glasses or contacts, and discounts on additional pairs or lens options. It’s vision care made simple and affordable.

The Benefits:

  • Preventive Care: Regular eye exams can detect more than just vision changes; they’re a window to your overall health.
  • Savings: With our plans, the cost of eye care becomes more predictable, saving you money on essential services and eyewear.
  • Flexibility: Choose the eyewear that suits your style and needs, with coverage that makes it accessible.

Embrace the clarity and confidence that comes with excellent vision care. With HTC Vision Plans, you’re not just seeing better; you’re looking ahead to a healthier, brighter future.

Dental Plans

Bright Smiles with HTC Dental Plans

Unlock the key to a radiant smile and robust dental health with HTC’s Dental Plans. Dental wellness goes beyond aesthetics, encompassing essential care that impacts your overall well-being. Our plans are crafted to ensure your dental care is as seamless and comprehensive as your smile deserves.

How It Works: HTC Dental Plans simplify access to a broad network of dental professionals. From preventive care like cleanings and exams to more extensive procedures such as fillings, crowns, and even orthodontics, our plans are designed to meet your needs at every stage.

The Benefits:

  • Preventive Focus: Regular check-ups and cleanings are the foundation of dental health, helping prevent larger issues down the line.
  • Cost Management: Manageable costs for dental procedures, making essential care more affordable and predictable.
  • Comprehensive Coverage: From basic care to advanced treatments, our plans support your dental health journey.

Step into a world where dental care is no longer a concern but a well-managed aspect of your health routine. With HTC Dental Plans, you’re investing in a future of healthy smiles and lasting wellness.