Coverage Options

These are the types of insurance our company represents

Individual Health Care Plans

Medicare Options

Employer Group Health Plans

Auto, Home & Life Insurance

Disability and Long-Term Care Insurance

Dental and Vision Insurance

Business and Commercial Insurance

With the rising costs of health care, you simply cannot afford to be without medical insurance. If you are self-employed, or your employer does not offer a health care plan, you may need individual health insurance. In today's fluctuating health care environment, finding the right health insurance for you and your family is more important than ever before. Health insurance needs vary greatly from person to person, so a plan that works for one person may not be the right coverage for you. We have budget-friendly health care plans for families and individuals that include all the benefits of the Affordable Care Act, without the hassle of going through the marketplace website. Use the big blue button to find a health insurance policy that fits your needs and get an instant, no-obligation quote so you know up front how much it will cost. We serve the communities of central NC including Winston Salem, Kernersville, Greensboro, and High Point. If you aren’t sure which policy is the right one for you, or if you need more information on qualifying for government subsidies, contact our insurance experts and we can help you through the process. Now you can get a personalized health insurance quote to fit your family’s needs without going through the Healthcare Marketplace website. Triad Insurance offers a wide range of health insurance plans. Coverage for 10 essential health benefits: 1 1. Outpatient care—the kind you get without being admitted to a hospital 2. Trips to the emergency room 3. Treatment in the hospital for inpatient care 4. Care before and after your baby is born 5. Mental health and substance use disorder services: This includes behavioral health treatment, counseling, and psychotherapy 6. Your prescription drugs 7. Services and devices to help you recover if you are injured, or have a disability or chronic condition. This includes physical and occupational therapy, speech-language pathology, psychiatric rehabilitation, and more 8. Your lab tests 9. Preventive services including counseling, screenings, and vaccines to keep you healthy and care for managing a chronic disease 10. Pediatric services: This includes dental care and vision care for kids Sign up for 2021 medical insurance during Open Enrollment from November 1, 2020 to December 15, 2020. You can sign up by contacting our qualified health insurance experts, or by using the free online quote form. Don't miss the Open Enrollment period - you won't be able buy Marketplace health coverage until the next Open Enrollment period for coverage the following year. If you’re enrolled in a 2020 Marketplace plan, your benefit year ends December 31, 2020. To continue health coverage in 2021, you must renew your current health plan or choose a new health plan during the 2021 Open Enrollment period. • November 1, 2020: Open Enrollment starts — first day you can enroll in a 2021 insurance plan through the Health Insurance Marketplace. Coverage can start as soon as January 1, 2021. • December 15, 2020: Open Enrollment ends. Last day to enroll in or change plans for new coverage to start January 1, 2021. • January 1, 2021: 2021 coverage starts for those who enroll or change plans by December 15 • You may buy Marketplace insurance outside Open Enrollment only if you qualify for a Special Enrollment Period. Qualifying life events include loss of other health coverage, marriage, or birth or adoption of a child. You can enroll in Medicaid or the Children’s Health Insurance Program (CHIP) any time. There is no limited enrollment period for these programs. You can apply any time. If you’re qualified, you can enroll immediately. At Triad Insurance Partners, our expert agents are thoroughly knowledgeable about the Health Insurance Marketplace and policy regulations for 2021. Contact us for a free consultation. 1 Source: https://www.healthcare.gov/blog/10-health-care-benefits-covered-in-the-health-insurance-marketplace/

The federally funded Original Medicare program includes both Medicare Part A and Part B. There are alternatives to Medicare provided by the government, and these plans are sold by private insurance companies. Medicare Advantage plans, also known as Medicare Part C, provide at least the same amount of coverage as Part A and Part B, but many of these plans also feature additional benefits such as vision, dental or hearing coverage. If a Medicare Advantage plan offers prescription drug coverage, it is known as a Medicare Advantage Prescription Drug (MAPD) plan, and it provides all of your coverage through a single plan. There are also Medicare Supplement plans, which add coverage for Original Medicare's out-of-pocket costs, such as deductibles and copays, and other "gaps" in Part A and Part B coverage. These supplement plans do not normally include drug coverage. Medicare Advantage and Medicare Supplement plans don't work together so you will need to choose one or the other. Medicare Part D plans act as an "add-on" for your Original Medicare Part A and Part B coverage to provide prescription drug coverage. Prescriptions are not normally covered by Original Medicare (except while you're in the hospital). You can enroll in a private Medicare Part D Prescription Drug Plan to get this benefit. The pricing and availability of private Medicare insurance plans in North Carolina may vary depending on your location. Please complete the online quote form or contact us and let one of our expert agents go over your Medicare coverage options to be sure you are getting the plan that is best for your needs.

Offering group health insurance can help you hire and retain good employees, and the costs are generally tax-deductible. However, as a business owner, it’s important to make sure you get a group health plan that is optimum for both your employees and your company. Complete the online quote form, or contact one of our independent agents. They will select from the following benefits and services to help you design a group health benefits package that best works best for your company.

Medical Insurance • Fully insured plans • Self-funded plans • HRA and HSA consumer- driven plans Add-On Benefits • Dental • Vision • Group term life insurance • Short term disability • Long term disability • Group long term care

Other Benefits • Executive medical reimbursement insurance • COBRA administration • Flexible spending plans • Premium-only Section 125 • Voluntary benefits Value-Added Services • Customized employee communications • Benefit statements • Dedicated account management

Auto Insurance The purpose of auto insurance is to protect you financially if you are involved in an accident. You pay premiums to the insurance company, and that company pays for the expenses incurred if you have an accident according to the terms of your policy. Those expenses may include property damage to your car, damage to someone else’s car or property, or personal injuries incurred by someone else as a result of the accident. The state of North Carolina requires that all motor vehicles carry insurance with certain minimum requirements. However, those minimums may not be enough to effectively protect you, especially if you cause an accident with damage or injury to others. Click here for a free quote, or contact one of our independent agents to discuss the best auto insurance options to fit your needs and your budget.

Homeowners Insurance For most people, your home is your largest investment. Homeowners insurance protects you financially in the event your home and/or belongings are unexpectedly damaged or stolen. It also covers you if a guest in your home or on your property is injured, or if your family members or pets cause damage to another person’s property. Most natural disasters are covered by homeowners insurance, but floods and earthquakes require a separate policy. If you have a mortgage on your home, your lender will have specific insurance requirements. Triad Insurance will help you assess what you own and make sure the things you value are adequately covered. Click here for a free quote, or contact one of our independent agents to discuss the best homeowners insurance options to fit your needs and your budget.

Life Insurance Nobody likes to think about life insurance, but it is a necessity if you have family members who depend on you. Life insurance protects your loved ones and provides for their needs if tragedy strikes so they do not suffer financial hardship in addition to everything else. Generally, life insurance falls into two categories: term life insurance and permanent life insurance. Term life insurance provides protection for a specific period of time, and then expires. Permanent life insurance is designed to last a lifetime. The kind of coverage that is right for you depends on your unique circumstances and financial goals. Click here for a free quote, or contact one of our independent agents to discuss the life insurance options to fit your needs and your budget. You might be surprised how easy and affordable it is to protect your family.

Disability Insurance Insuring your income is something most people don’t think about. Many Americans these days are living paycheck to paycheck. But what if you got sick or became disabled and that paycheck were suddenly gone? Disability insurance helps fill that gap between health insurance and life insurance, to help your family avoid a financial catastrophe if you are sick or injured. Out agents can help you decide between Short- Term Disability and Long-Term Disability policies, and discuss the “non-cancelable” and “guaranteed renewable” features, as well as other options, so you get the right policy for you. Click here for a free quote, or contact one of our independent agents to discuss the disability insurance options to fit your needs and your budget.

Long-Term Care Insurance As people age, many find they need help with activities of daily living such as eating, bathing and dressing. Enjoy the peace of mind that comes from knowing you will have options when that day comes. Long Term Care Insurance pays for the cost of care needed to help with daily activities and mobility due to age or a cognitive impairment such as Alzheimer's Disease. Generally, long term care policies will pay for the cost of your care in the setting you choose, whether in your home, an assisted living facility or a nursing home. The cost of long term care insurance is based on your age and your health when you apply, so the earlier you apply the more affordable your policy will be. Click here for a free quote, or contact one of our independent agents to discuss the long term care insurance options to fit your needs and your budget.

Dental Insurance Studies have shown that good oral hygiene and regular dental visits are beneficial for overall health. People with dental insurance are twice as likely to have consistent dental checkups and cleanings. If your employer does not provide dental insurance, or if you have a health plan through the Marketplace, there are several affordable dental insurance options for you and your family. Many of them allow for regular checkups and cleanings at no additional cost. Click here for a free quote, or contact one of our independent agents to discuss the dental insurance options to fit your needs and your budget.

Vision Insurance Vision is a precious gift, and it needs to be cared for as much as your general health. Vision problems can cause headaches and lead to problems in work or school. If your employer does not provide vision insurance, or if you have a health plan through the Marketplace, there are several affordable vision insurance options for you and your family. These plans can provide free or reduced-cost vision checks, glasses, contacts and even corrective surgeries. Click here for a free quote, or contact one of our independent agents to discuss the vision insurance options offered through Triad Insurance Partners.

General Liability Insurance If you are a business owner, general liability insurance protects your business' property from fire, theft and vandalism, and limits the business' financial liability from claims due to bodily injury, property damage and negligence. Claims against your business can come from on-site accidents, as well as injuries or damages incurred as a result of using your goods or services. Your policy can also be designed to cover direct expenses associated with a claim or liability suit, such as attorney fees and court costs. The agents at Triad Insurance Partners can create a customized policy for you to include different amounts for different types of coverage. Use our easy quote form, or contact one of our independent agents to discuss the general liability insurance options to fit your needs and your budget.

Professional Liability Insurance Also called malpractice insurance, professional liability insurance protects you against claims made by patients or clients alleging you committed a wrongful act through negligence, error or omission. Professions which usually benefit from professional liability insurance are doctors and other medical practitioners, lawyers, IT professionals, administrative managers, and consultants. It is important to work with an agent to make sure your policy has the provisions that protect the professional risks associated with your business. Use our online quote form, or contact one of our independent agents to discuss the professional liability insurance options to fit your needs.

Workers’ Comp Insurance Workers' compensation insurance protects both your business and your employees in case of an injury or illness resulting from work-related activities. Workers' comp insurance provides coverage for medical expenses, lost income, rehabilitiation costs and death benefits, and can save you and your business from costly lawsuits. For most businesses with employees, it is required by NC law that the business has workers' compensation insurance. Employees may opt out of coverage, but not offering workers' comp can result in expensive fines and even felony charges. As a business owner, you do everything you can to protect your employees - make sure that includes adequate workers' compensation coverage. Use our easy online quote form, or contact one of our independent agents to discuss the workers’ compensation insurance options to fit your company’s needs.

Commercial Vehicle Insurance Whether your company has a few vehicles for employees, or a fleet of vehicles, auto insurance is mandated by North Carolina. Commercial vehicle insurance covers commercial trucks, pickups, vans, fleets, and personal autos for business use. Even if your employees use their company cars for both business and personal use, you may need commercial vehicle insurance for those cars. The type of coverage required depends on several factors such as which employees drive company cars, the type of driving they do, and how they use their vehicles. Use our online form to get a quote, or contact one of our independent agents to discuss the best commercial vehicle insurance to fit your needs.

Commercial Property Insurance Although general liability insurance is designed to protect your business' property, it may not be enough in the event of a catastrophic loss. If you lose all of your inventory to a fire, or expensive equipment due to theft, North Carolina general liability may not be comprehensive enough to get you back on your feet. Commercial property insurance generally covers your business structure or building, furniture and equipment, inventory, landscaping and outdoor signs, and damage to the property of others. Commercial property policies can be tailored to meet concerns about risks specific to the way you do business, allowing you to opt for more extensive coverage in some areas, and less coverage in others. Use our online quote form, or contact one of our independent agents to discuss the best commercial property insurance options to fit your business needs and budget.