Individual & Family Coverage
Personalized Benefits for Every Stage of Life
Whether you are self-employed, between jobs, or simply looking for coverage outside of an employer plan, EBM helps individuals and families find the right benefits at the right price.
Navigating the individual insurance market can be overwhelming. EBM's experienced consultants guide you through your options — from major medical to supplemental coverage — so you can make confident, informed decisions for yourself and your family.
Medicare
Turning 65 or approaching Medicare eligibility? EBM helps you navigate your Medicare options so you choose the right coverage with confidence.
- Medicare Supplement (Medigap) plans that cover costs Original Medicare does not — including deductibles, copays, and coinsurance
- Medicare Advantage (Part C) plans that bundle hospital, medical, and often prescription drug coverage into a single plan
- Medicare Part D prescription drug plans evaluated for your specific medications and preferred pharmacies
- Annual plan reviews to ensure your coverage still fits your health needs and budget as plans change each year
Major Medical Coverage
Comprehensive health insurance designed to protect you from significant medical expenses — from routine care to major procedures.
- ACA Marketplace plans with premium tax credit guidance for qualifying individuals and families
- Short-term medical plans for coverage gaps between employer plans or life transitions
- Side-by-side plan comparisons across carriers so you understand exactly what you are buying
- Ongoing support for claims questions, network issues, and annual renewal decisions
Dental & Vision
Standalone dental and vision plans that keep routine care affordable and accessible for individuals and families.
- Individual and family dental plans covering preventive, basic, and major services
- Vision plans with allowances for frames, lenses, and contact lenses
- Bundled dental and vision options for maximum value
- Access to broad provider networks across North Carolina and nationwide
Life & Supplemental Coverage
Protect your income and your family's financial security with life insurance and supplemental benefit options.
- Term and whole life insurance sized to your family's needs and budget
- Accident and critical illness plans that pay cash benefits directly to you
- Hospital indemnity coverage to offset out-of-pocket costs during a hospitalization
- Disability income protection to replace lost wages if you are unable to work
Find the Right Coverage for You and Your Family
Schedule a no-obligation consultation and let EBM help you navigate your individual insurance options with confidence.
Request a Consultation