Life & Health Insurance

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We support both individuals and employers. You may be self-employed, in-between jobs, or just looking for more affordable benefit options. Our team is MNsure certified through Minnesota's health insurance marketplace, to help you identify the right coverage along with any potential savings, including potential tax credits. We will work with you to find the best insurance solutions for you and your family, with your personal and financial situation in mind. If you are an employer looking at employee benefit options for your business, we will help you find the best coverage options within your budget. Our dedicated benefits team is ready to help you implement and manage the benefits you provide. Whatever your situation may be, Foster White can help you find the right individual or employer group coverage to meet your changing needs.

Employee Benefits

Employers can offer a variety of benefits to their employees. We work with employers to provide the best coverage options, that will align with your company’s needs. Whether your organization is small, large, or growing, our benefits team will support you with the knowledge and resources to reward, recruit, retain and retire your employees.

To help employers stay on track with their multiple benefits offerings, we also provide access to an online platform at no cost to you. Here, employees can log-in, elect or waive coverage, and more! This online platform is a one-stop place for both you and your employees to access benefits documents at any time. We provide the service and are here to help you make offering benefits to your employees easier. We can also help you use this online platform to distribute other items you would like employees to access, such as: onboarding items, direct deposit forms, employee handbooks, etc.

Additional insurance plans add value to your employees and can help fill gaps of coverage for their families, while adding peace of mind in some of life’s unknowns. We will help guide you through the many insurance options for any additional coverage your employees may need.

Health

We offer individual health plans when you need coverage for yourself and/or family members. We will review affordable, quality healthcare options available to you, along with more robust plans, to help you find the best fit for your needs and budget.

Dental

Dental coverage is important to keep your smiles healthy and protected. We will help you and your loved ones find the right coverage for your situation.

Vision

Vision plans are designed to help ease the financial burden from protecting your eyes with routine vision care, prescription glasses, contact lenses, and more. We will help you review both standalone and combined plans (such as vision/dental) to find the right solution that fits you best.

Disability

Disability Income Insurance provides income protection if you are unable to work due to a covered injury or illness. Even if you have group disability insurance through your employer, the coverage may not be enough to cover your lost income if you become too sick or hurt to work. At the very minimum, your disability income insurance should cover your necessary living expenses. We will help you find the right plan for your needs.

Life | Accidental Death & Dismemberment (AD&D)

This type of coverage provides financial protection for your loved ones in the event of a premature death or accident. Accidental Death & Dismemberment (AD&D) policies are designed to pay benefits to the beneficiary (such as a spouse or loved one) if the insured were to die from an unintentional/accidental death or dismemberment. This is a limited form of life insurance which is generally less expensive, and in some cases can be found as an added benefit within life insurance policies. There are many types of life insurance plan options and riders to choose from. We will help you review your life insurance needs to find personalized coverage, add peace of mind in some of life’s unknowns.

 Life
We offer a wide variety of life insurance policies, from Term Life Insurance to Permanent Life Insurance, such as Whole Life and Universal Life policies.  Whether you are looking for debt protection and/or income replacement, or estate planning tools, we can provide a solution to fit your needs.

Medicare

Medicare can be confusing, and individuals turning 65 or already on Medicare are bombarded with information.  With over 18 years’ experience in the Medicare industry Foster White can help you navigate the plans to find the best healthcare to meet your needs. 

As a broker, we work with many of the Medicare insurance companies and are able to offer plans that provide you affordable, quality healthcare.  If you are first getting on Medicare or looking at changing your Medicare plan, we make the process easy for you.

Medicare Supplement

This type of Medicare plan becomes your secondary insurance with Original Medicare being your primary.  Medicare Supplements, combined with Medicare, provide strong coverage and no provider networks (so you can go to any medical facility that accepts Medicare).  Supplements do not include Prescription Drug coverage and do not provide extra benefits, such as dental and vision.

Medicare Advantage

Advantage plans in essence become your Medicare plan and offer all the benefits of Original Medicare.  With Advantage plans you generally have a co-pay or co-insurance for medical services.  You can obtain your Prescription Drug coverage through your Advantage plan, thus only one medical card to carry.  Most Advantage plans will have a network for providers and may offer extra benefits like vision and dental.  They offer a monthly low premium, many starting at $0.  Medicare Advantage plans allow you to “balance” premium and co-pay affordability.

Medicare Cost

Medicare Cost plans are only available in select counties in Minnesota. They are a hybrid of a Supplement and Advantage plan.  They also allow you to “balance” premium and co-pay affordability.

Medicare Prescription Drug

For many individuals, their major monthly expense is the cost of their prescription drugs. Medicare Prescription Drug plans provide savings on monthly Rx costs in the form of a co-pay or co-insurance.  You can obtain a Prescription Drug plan as a stand-alone or through your Medicare Advantage/Medicare Cost plan.  Prescription Drug plans can have a deductible and co-pay or co-insurance.  It is important to be sure all your prescriptions are included in your drug plan formulary.