Like the New Year, Open Enrollment offers New Beginnings

We hope you’ve had a safe and enjoyable start to 2016! A new year brings a fresh start, a promise of positive changes and important decisions to be made. The deadline for coverage starting February 1st is January 15, so your first important decision of 2016 may be your health care plans for the year. And we’re here to offer guidance and support.


Health Plans

Although there are lots of plans to choose from, individual has four plan categories that they refer to as “metal” categories. Each category offers different coverage percentages, so you can pick the plan that works best for you. The metal categories and average percentages are as follows:
  • Platinum: You pay 10%, your health plan pays 90%
  • Gold: You pay 20%, your health plan pays 80%
  • Silver: You pay 30%, your health plan pays 70%
  • Bronze: You pay 40%, your health plan pays 60%
When shopping for your plan, be sure to consider your pharmacy copayments and any other copayments you’re responsible for, as well as your total health care costs. For more information or to sign up, visit our website


Dental Plan Options For Your Entire Family

Taking care of your teeth and gums is an important part of your overall health. We offer affordable, reliable, and easy-to-use plans for everyone in your family. They have a large network of dentists and a variety of plans for you to choose from.
Our featured provider, Dental Care Plus Group, has four HMO plans and four PPO plans. A comprehensive chart on their website lists the deductibles, coverages for preventative, basic and major services for each plan, and a situational description to help you determine the amount of insurance you need.
With Dental Care Plus Group, your plan is rounded out with discount vision and hearing programs, called Total Vision Services and EPIC, respectively. The programs offer discounts on eyeglasses, contact lenses, hearing hardware, name brand hearing aids, medical exams, and surgical procedures, at no additional cost to you.  Get an instant quote at


Rivers Insurance Group is Here to Help

If reviewing and selecting the right insurance plan seems overwhelming and confusing, we can help. You can select your insurance plans from our website, or we can assist you by recommending the plan that offers just the right amount of insurance, giving you the coverage you need at a price you can afford.