ServicesIndividual & Family Benefits
We can help you find the best plan to fit your needs; whether it is exploring the ACA market, getting a short-term plan, travel insurance, or acquiring private exchange plans.
ACA (Affordable Care Act) Marketplace
If you do not have an employer sponsored insurance plan you can shop the marketplace for a private plan that will fit your needs. These are guaranteed issue, comprehensive plans and have no pre-existing condition denials. Some applicants may qualify for financial assistance through this program. Premium rates are based on one’s county of residence and age.
Short-Term Plans
These plans offer a cost‑effective option for individuals experiencing a lapse in traditional health insurance or seeking limited protection against major medical expenses. As non‑comprehensive alternatives to ACA plans, they are generally more affordable and provide flexibility in coverage duration. Enrollment is permitted at any time, without the constraints of an open enrollment window. It is important to be aware that pre‑existing conditions are often excluded from coverage.
Travel Insurance
Traveling abroad for a vacation or mission trip? Travel insurance is a great choice to cover unexpected medical expenses when out of the country and unable to use your US health insurance. Woodard Insurance is a direct broker for BCBS Global Solutions travel plans.
Life Insurance
Life insurance is an important part of protecting the financial future of you and the people you love. Privately purchased life insurance provides coverage through a trusted insurance company and is funded through your own premiums, giving you the flexibility to choose coverage that fits your individual needs, budget, and stage of life. Whether you're looking to help replace lost income, protect your mortgage, cover final expenses, support your children's future, or provide financial security for your loved ones, the right life insurance policy can help ease the financial burden when your family needs it most. We can help you understand your options and find coverage designed to protect what matters most.
We can also help you enroll in an individual or family dental and vision policy. Please see the Dental & Vision page for details on these benefit offerings.