Insurance Services We Offer


Insurance That Works For You, Not the Other Way Around

At Jenny Cares Insurance, we believe peace of mind starts with understanding your coverage. Whether you're an individual, a growing family, turning 65, or running a small business, we offer guidance, not gimmicks, so you can make confident decisions about your health and finances.

Defined Benefit Health Plans

Defined Benefit Health Plans offer a clear, predictable way to help manage your healthcare expenses. Instead of navigating large deductibles or complex billing, these plans pay fixed dollar amounts for specific covered medical services, so you’ll know upfront what your benefits will be. You have the freedom to choose your own doctors, and in many cases, benefits are paid directly to you or your provider. These plans are a great option if you’re looking for straightforward coverage that’s easy to understand and designed to fit a budget.

Plans for Specific Health Events and Accidents

These focused plans are designed to step in when you need them most—like after a serious illness or unexpected injury. Whether it’s coverage for a hospital stay after an accident or support during treatment for a particular condition, these plans provide targeted financial help when facing specific, covered events. You’ll often see benefits available without meeting a high deductible first, and there are many plan options that offer broad provider access. It’s added protection that can bring peace of mind when life throws a curveball.

Critical Condition Coverage

A critical illness diagnosis can be overwhelming, and not just emotionally, but financially, too. Critical Condition Coverage provides a lump sum benefit when you’re diagnosed with a covered condition like cancer, heart attack, or stroke. You can use this money however you need: to help pay for treatment, cover lost income, or even take care of daily expenses while you recover. It’s all about giving you flexibility and financial breathing room when facing one of life’s toughest challenges.

Accident Protection

Accidents happen when you least expect them, and the costs that come afterward can add up fast. Accident Protection helps cover those out-of-pocket expenses like deductibles, or even non-medical costs such as transportation or home adjustments during recovery. This type of coverage is especially helpful if you lead an active lifestyle, have kids, or just want some extra peace of mind. It’s a practical way to add a cushion against the unexpected.

Income Protection Plans

If an illness or injury prevents you from working, how would you cover your everyday expenses? That’s where Income Protection Plans come in. These plans are designed to replace a portion of your income when you’re unable to work due to a covered condition. Whether it’s paying the mortgage, keeping the lights on, or buying groceries, this kind of coverage helps you stay financially stable during tough times. It’s about protecting your livelihood, and your lifestyle.

Dental and Vision Plans

Routine dental and vision care is essential for your overall health, but it often comes with high out-of-pocket costs if you don’t have coverage. These plans help you manage the expense of regular checkups, cleanings, glasses, and even more extensive procedures. With a variety of affordable options available, it’s easy to find a plan that fits your needs and your budget. Taking care of your teeth and eyes shouldn’t be a luxury, it should be part of your everyday wellness plan.

A Quick Note About the Plans We'll Discuss

It’s important to know:

  • Many of the plans we’ll review are not considered “minimum essential coverage” under the Affordable Care Act (ACA).
  • These are usually categorized as excepted benefit or supplemental plans. They offer specific, defined benefits and aren’t meant to replace ACA-compliant major medical insurance.
  • Some plans require medical underwriting, which means approval isn’t guaranteed and pre-existing conditions might have limits or waiting periods.

I’ll make sure you fully understand any plan before you commit. No surprises.