Individual Solutions

At Kaminsky & Associates, Inc we know it’s important to address all the insurance needs of our customers. And, we believe that everyone deserves flexible health care. That’s why we offer a range of health insurance plans directly to families and individuals. Working with a variety of insurance carriers, including Medical Mutual of Ohio, Anthem, & Humana, we help our clients find the right plan for their lifestyle, no matter how often that may change. From traditional health benefits to Health Savings Accounts Plans and more, we work to find the coverage that’s right for you.

Meeting Your Growing Needs!
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  • High Deductible Health Plans (can be used with a Health Savings Account)
  • Short Term Medical Coverage
  • Student Select Coverage
  • COBRA replacement plans

To receive a personal quote today or to find out more about the types of individual life, disability or long term care insurance, please contact Tim Ayer or call (419) 535-5502.

Plans are subject to health underwriting and product availability.

Medicare provides approximately 45 million Americans age 65 or over, or who meet other specific standards, with health insurance. Americans who are under 65 with certain disabilities, or who have end-stage renal disease, also qualify for the program. The United States government controls the Medicare program, which offers a variety of different health care plans depending on the needs of its constituency.

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An annuity is a contract between you and an insurance company that is designed to meet retirement and other long-range goals, under which you make a lump-sum payment or series of payments. In return, the insurer agrees to make periodic payments to you beginning immediately or at some future date. Please contact Tim Ayer or call (419)  535-5502.

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If you have a thriving business, it is likely because you have some important people under your wing. If this is the case, do you currently have key person insurance? If you do not have key man life insurance, your business is currently at risk. Keyman life insurance is meant to protect your company from the peril of losing one of your valuable, producing employees, who contributes to your organization or firms success. We have been helping business owners gain peace of mind, by knowing, no matter what, his top performers are covered from the perils of daily life.

Key man disability insurance is designed to protect the business in the unfortunate event that a key employee or executive suffers a disabling accident, injury or illness. It provides peace of mind to companies and business owners alike knowing that the business can continue operations without major disruption if a disability strikes a top salesperson, executive or key employee.

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