Kincaid Solutions compares coverage options from leading national carriers and explains the trade-offs clearly — so you can choose with confidence across health, life, critical illness, accident, and vision & dental.
We compare plan options across multiple trusted carriers — Marketplace and off-Marketplace — and explain the details in plain English so you can pick coverage that fits your doctors, prescriptions, and budget.
Benefits featured are based on 2 units of HSP Gold and are available with select plans.
Licensed PCP or specialist of your choice · National PPO network · No deductible, copays, or coinsurance · Low- to no-cost generic prescriptions.
Benefits start 60 days after effective date · Pays toward annual mammogram, preventive colonoscopy, Pap smears, and PSA screenings · Optional coverage for 100% preventive care.
Pays toward outpatient and inpatient surgeries — facility, surgeon, assistant surgeon, anesthesiologist · Postoperative therapies when required · Concierge service to pre-price non-emergency procedures.
Pays the highest applicable daily defined benefit for sickness, injury, ICU care, and observation stays · Admission benefit of up to $3,000.
Pays toward urgent care visits · Up to $4,000 toward covered accident expenses with a $1M lifetime benefit · Air/ground ambulance up to $10,000 · Optional $500,000 catastrophic accident benefit.
Up to $50,000 lump sum upon diagnosis of a covered critical illness (heart attack, stroke, cancer) · Up to $500,000 more for organ transplant, renal failure, ALS, and other listed conditions.
Life insurance can help create a financial safety net for the people who depend on you — replacing lost income, paying debts, continuing education plans, or preserving long-term financial goals.
Different types of life insurance serve different needs. We can help you compare the available options and understand how each one works.
Coverage for a set number of years. Often a practical option for families who want affordable protection during important financial years — income replacement, mortgage protection, and education planning.
Often lower initial costDesigned to provide permanent coverage when premiums and policy requirements are met. May also build cash value according to policy terms — useful for legacy planning and final expenses.
Permanent coverageMay offer flexible premiums, adjustable benefit options, and cash-value potential — depending on the specific policy. Useful for long-term flexible planning and business or estate strategies.
Flexible structureLife insurance benefits, eligibility, and availability depend on the selected policy and applicable policy terms.
A serious diagnosis affects more than your health. Critical Illness Insurance can provide a cash benefit following a qualifying diagnosis under your policy — helping you focus on treatment, recovery, and the people who matter most.
Eligible benefits are paid to you rather than directly to a hospital or healthcare provider.
The benefit may help with deductibles, household expenses, transportation, childcare, lost income, or treatment not covered by your medical insurance.
We help you compare available options and understand covered conditions, benefit percentages, exclusions, waiting periods, and policy limits.
Coverage amounts, availability, underwriting requirements, and eligibility may vary.
The amount paid may be a percentage of the total policy benefit. Review policy documents for complete definitions.
Benefits associated with particular illnesses, procedures, hospital stays, or treatment needs. Available benefits, deductibles, annual and lifetime maximums, exclusions, and eligibility depend on the selected policy.
Accident insurance may help with unexpected costs after a qualifying injury, while catastrophic coverage can provide added protection for more serious accidents.
For common qualifying injuries and treatments.
Renewability and continuation terms depend on the policy. Benefit amounts, riders, and terms vary — request a quote for personalized options.
For severe accidents and substantial covered expenses.
Availability, eligibility, and benefits depend on the policy.
Benefit amounts, eligibility, exclusions, limitations, and availability vary by policy, applicant, carrier, and state. Review the policy for complete details.
Dental and vision insurance may help make routine exams, preventive care, eyewear, and common services more manageable. Available separately or together depending on the products.
Dental insurance may help with preventive care and reduce eligible costs for common dental services, depending on the selected plan.
Preventive care
Exams · Cleanings · Routine X-rays
Basic services
Fillings · Simple extractions · Other eligible basic procedures
Major services
Crowns · Bridges · Dentures · Other eligible services
Coverage, benefit percentages, annual maximums, waiting periods, and eligible services vary by plan.
Vision insurance may help with routine eye exams and eligible costs for glasses or contact lenses, depending on the selected plan.
Routine exams
Regular eye exams · Vision screening · Eligible diagnostic services
Eyeglasses
Prescription lenses · Frames · Lens enhancements may be available
Contact lenses
Contact-lens allowances · Fittings may be available · Frequency limits may apply
Benefits, allowances, provider access, copays, and frequency limits vary by plan.
Tell us what you're looking for and we'll help you explore coverage that fits your needs and budget.
