HEALTH INSURANCE
Before the advent of the Affordable Care Act, if your Employer did not provide an avenue for you to obtain this coverage, it was nearly impossible to obtain quality, affordable Health Insurance.
The ACA was designed to correct this problem by creating standardized coverages, leading to the implementation of the 4-Tier 'Metal' plans as shown in the illustration on the left.
When the unexpected happens, health insurance keeps you covered. Whether it's a sudden illness or an injury, Major Medical coverage ensures that doctors and hospitals are paid—so you can focus on getting well, not worrying about bills.
With your FJM Benefits Advisor by your side, you'll have the support you need to choose a plan that fits your life and your needs.
The ACA was designed to correct this problem by creating standardized coverages, leading to the implementation of the 4-Tier 'Metal' plans as shown in the illustration on the left.
When the unexpected happens, health insurance keeps you covered. Whether it's a sudden illness or an injury, Major Medical coverage ensures that doctors and hospitals are paid—so you can focus on getting well, not worrying about bills.
With your FJM Benefits Advisor by your side, you'll have the support you need to choose a plan that fits your life and your needs.
YOUR HEALTH INSURANCE OPTIONS
Independent Health began in 1980, the culmination of a University at Buffalo graduate school project that determined the community could benefit from a Health Maintenance Organization (HMO) model that focused on preventive care versus reactive care.
For over 40 years, Independent Health has remained dedicated to improving the health and well-being of our members, employer groups, brokers, and provider partners for all of Western New York.
Today, Independent Health is recognized as an innovative health care plan with more than 1,100 associates serving nearly 380,000 members.
Below are the current plans being offered through Independent Health. For more detailed information on each plan, click on one of the images below the price grid. You may also complete the Info Request form at the bottom of this page to have your FJM Benefits Advisors representative contact you to answer any questions or get you enrolled in a plan.
For over 40 years, Independent Health has remained dedicated to improving the health and well-being of our members, employer groups, brokers, and provider partners for all of Western New York.
Today, Independent Health is recognized as an innovative health care plan with more than 1,100 associates serving nearly 380,000 members.
Below are the current plans being offered through Independent Health. For more detailed information on each plan, click on one of the images below the price grid. You may also complete the Info Request form at the bottom of this page to have your FJM Benefits Advisors representative contact you to answer any questions or get you enrolled in a plan.
Select an image below for information on products offered through Independent Health
Select HERE for Fillable Online INDEPENDENT HEALTH Application
VOLUNTARY BENEFITS
SUPPLEMENTAL INSURANCE
When the unexpected happens, health insurance keeps you covered. Whether it's a sudden illness or an injury, Major Medical coverage ensures that doctors and hospitals are paid—so you can focus on getting well, not worrying about bills. With an FJM representative by your side, you'll have the support you need to choose a plan that fits your life and your needs.
But even strong coverage doesn’t cover it all. Co-pays, deductibles, and lost income can take a serious toll. That’s where GAP coverage steps in. Voluntary benefits like Accident, Critical Illness, and Hospital Indemnity pay cash directly to you, helping fill the financial gaps your main health plan can’t. It’s smart protection for life’s curveballs.
Your health and your income deserve protection too. Life and Disability Insurance help ensure your family and finances are secure if illness or injury keeps you from working. And with Dental and Vision plans supporting your daily wellness, you're covered from every angle. Together, these benefits create a powerful shield—so you can live life with confidence
But even strong coverage doesn’t cover it all. Co-pays, deductibles, and lost income can take a serious toll. That’s where GAP coverage steps in. Voluntary benefits like Accident, Critical Illness, and Hospital Indemnity pay cash directly to you, helping fill the financial gaps your main health plan can’t. It’s smart protection for life’s curveballs.
Your health and your income deserve protection too. Life and Disability Insurance help ensure your family and finances are secure if illness or injury keeps you from working. And with Dental and Vision plans supporting your daily wellness, you're covered from every angle. Together, these benefits create a powerful shield—so you can live life with confidence
COLONIAL LIFE VOLUNTARY BENEFITS
Select an image below for information on products offered through Colonial Voluntary Benefits
