Reliable health care is something none of us should ever be without. Health care, especially in emergency situations, can be too expensive for most people to afford on their own. The reasonable solution is medical insurance.

Medical insurance essentially reimburses you for a large portion of your health care costs when they arise, making the care more affordable to you. Although insurance can be expensive, the cost of treating an unforeseen illness or injury is likely to be much more.

The bottom line is that medical insurance offers security.

How We Can Help

Everyone has individual health care needs. You want to purchase a medical insurance plan that best fits your needs.

Whether you are looking for a medical insurance plan to cover only yourself, your family, or your college student, Graber & Associates can help you out.


Individual Major Medical
Assessing your needs for an individual insurance plan or a family plan can be a hard process. A good personal health policy can easily be expanded to offer health insurance coverage for an entire family. Determining which type of medical insurance is best for you and your family can be based upon these factors:

• Who will provide health care for you or your family
• Where and when you or your family receive health care
• The quality of your health care
• How much you pay for your health care

All of these factors may become important in your insurance search and many people may not understand which policy/company may be best for them.

Health Savings Account (HSA's)
As health care insurance is evolving and the costs increase this is one of the new products available. The new and affordable HSA’s allow you to pay deductible, dental, eye care, and other medical expenses out-of-pocket with tax free dollars. Tax free dollars that you may or may not have been able to deduct.

Short Term Major Medical
Whether you are between jobs or are waiting for a new policy to be approved, short term health insurace is the best way to maintain health coverage as well as portability to other group or individual insurance. Short term insurance is designed to see the policy holder through a brief gap in standard health coverage. Short term insurance is not as expensive as major medical insurance. It is a perfect, low cost way to protect short term gaps in coverage. They're generally available for between one and twelve months, and they offer many of the same benefits that standard plans do, with a few key differences. Graber & Associates can help you determine if short term insurance is right for you.