Individual Insurance  2020

Individual Insurance Help - is here!

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For Health Insurance - Open Enrollment is Nov 1st - Dec 15th.  This is the time you can enroll and make changes to another Carrier without having a qualifying event. Do not miss out!

After  Open Enrollment has ends, you may still be able to apply for new coverage if you qualify for a Special Enrollment trigger. These include losing your health coverage, or starting a new job. Contact us today to find out if you are eligible.
NEED A CONSULTATION Assessment?
Schedule your appointment below!
Click choice below:
#TeamWashwick - Why Do we Charge?
  • The #1 Benefit- Medical Insurance is no longer commisionable to our Agents. Meaning- the time we spend discussing and finding out options- we are no longer getting paid for!  We can't pay our agents when there isn't any pay involved.   Not paying our agents means- we would no longer be able to assist YOU in the Individual market!
  • To remain a partner with you in helping find coverage's we had to move to a Consultation by appointment only basis. 
  • Consultations HELP you!  We want to be your resource for Individual Products! We can help. Our Goal is to keep you happy NOT to sell you something you don't need!  We charge b/c you may not need something we can make money on- and the #Team here is trained to only provide you with what you may need!



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Personalized Consultation
$150
Application Processing
$150
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Our Team is here to help Individuals obtain the needed coverage to ensure you aren't OVER insured, or under insured in today's market.

#TeamWashwick -What we Offer at this Time:

Individual Assessment Consultations
  • The Individual market can be complicated, your needs may be complicated!  For that reason we offer Individual Assessment Consultations for Individual Coverages!
  • The Consultation is $150 for the 1 hour appointment.
  • Your 1 Hour Appointment is spent with licensed Agent who will ask the questions, listen to your needs and point of view and direct you to your next steps to be insured according to YOUR needs!
#TeamWashwick - What do we Do?
  • Do you need Health Insurance? - Well, we have researched the OFF exchange Health Insurance options and combined the offerings into a comprehensive package that you can review!
  • Do you not qualify at this time for Health Insurance? - Well we have researched alternative options that my work until you do!
  • Are other needs being overlooked?   We have partners within #TeamWashwick to help you, quick and easily!  Your one stop place.  
  • We direct you to what you need through the 1 hour Consultation!
Few Things Discussed for the #1 Medical Coverage by your licensed #Team member
  • Attached Individual Health Insurance Packet Tool and alternative non insurance options.
  • Have you had a Qualify Event to open up a Special Enrollment Period?
  • Do you qualify for a tax subsidy? 
  • Needs vs. usage
  • Networks & Plans ( see complimentary packet)
Few Things Discussed to ensure you have what you need!
  • Accidents?
  • Self Employed?  Employees?
  • Compliance
  • HSA's ( Health Savings Accounts)
  • Tax Savings
  • Retirement
  • Life Insurance Need vs want.
  • Dependent Coverage.
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The Plan Tool is complimentary and includes provider lookups, networks, benefits, and rates for each carrier in the Individual Market in the State of New York. This is an informative tool only, not an advertisement or actual policy from the insurance company. If you do not qualify for a Special Enrollment Trigger, you may not be able to apply for any of these plans. All Union Plans rates, plans, benefits and processing govern. PBBA is not responsible for typos, or Union Decisions.
Plan Tool Cover Image (c) Greg Carpenter