20+ CARRIERS · ALL 50 STATES · LICENSED AGENTS
Licensed in All 50 States
Compare individual and family plans for Health, Dental, Vision, and Hearing coverage from top-rated carriers nationwide. Speak with a licensed agent — no obligation, no pressure.
Trusted Carriers
ACA Major Medical, Supplemental Private plans, and Medicare Advantage
ACA · MAJOR MEDICAL
SUPPLEMENTAL · PRIVATE
MEDICARE ADVANTAGE
PLAN TYPES
From short-term gaps to comprehensive major medical, we represent the full range of health insurance options. Your licensed agent matches the plan type to your situation.
Coverage for gaps between jobs, waiting periods, or transitional months. Major-medical-style benefits at lower premiums. Not ACA-compliant — best when you need a bridge.
Pays cash directly to you when covered events happen — hospital stays, doctor visits, surgeries. Pairs well alongside existing major medical to offset out-of-pocket costs.
ACA-compliant comprehensive coverage with all essential health benefits. Best when you need long-term coverage and protection from large out-of-pocket exposure.
Standalone or add-on plans that fill gaps left by medical coverage. Major carriers, year-round enrollment, low monthly premiums for routine and preventive care.
What We Cover
coverage that fits
Individual, family, and short-term major medical plans from the carriers you know. We help you compare deductibles, networks, and prescription coverage so you get the right fit — not just the cheapest premium.
Explore health plans →Standalone dental plans covering preventive cleanings, fillings, crowns, and major work. Most plans start with $0 preventive care and no waiting periods on routine visits.
Explore dental plans →Annual eye exams, frames, lenses, and contact allowances. Vision plans average under $20/month and pay for themselves in a single visit if you wear glasses or contacts.
Explore vision plans →Hearing aid coverage and hearing health benefits — often missing from standard Medicare. Plans cover exams, fittings, and significant hardware allowances on quality hearing devices.
Explore hearing plans →How It Works
simple from start to finish
About Summit Care USA
your trusted partner
Summit Care USA is a licensed health insurance agency built around one idea: most people don't need more options — they need someone who can explain the options they have. We work with top carriers across all 50 states to match you with coverage that fits your life, your family, and your budget.
Our licensed agents take time to understand what matters to you before recommending a single plan. No high-pressure sales, no surprise commissions on plans that don't fit. Just clear answers from people who do this every day.
Why Summit Care USA
One agency, nationwide coverage. Move states or split households without changing agents.
We partner exclusively with carriers that meet our financial strength and service standards.
No chatbots, no offshore call centers. Licensed agents answer your questions during business hours.
Side-by-side breakdowns of premiums, deductibles, networks, and prescriptions so you choose with full information.
We're here long after you enroll — for claims questions, plan reviews, and renewals every year.
Your information is never sold. We share details only with carriers you choose to apply with.
Common Questions
Major Medical (ACA-compliant) covers all minimum essential health benefits — doctor visits, hospitalization, prescriptions, preventive care — and typically costs more. A Bridge Plan provides comparable everyday benefits at a lower premium, ideal for coverage gaps, between jobs, or while waiting for employer coverage to begin. A licensed Summit Care USA agent can show you which fits your situation.
Most individual health plans enroll during the annual Open Enrollment Period (November 1 through January 15 in most states). Outside that window, you may still qualify for a Special Enrollment Period if you've had a qualifying life event — moving, marriage, divorce, having a baby, losing employer coverage, or aging off a parent's plan. Dental, vision, and hearing plans can usually be enrolled year-round.
For ACA-compliant major medical plans, no. Insurers cannot deny coverage or charge higher premiums based on pre-existing conditions, and all plans cover essential health benefits including conditions you already have. Short-term medical plans and some supplemental products work differently — we'll explain the trade-offs before you choose.
Costs vary based on your age, household size, ZIP code, tobacco use, income level, and the plan tier you choose. Many households qualify for premium tax credits through the Marketplace that significantly reduce monthly costs. We provide actual quotes from real carriers in your area — not estimates — so you see exact pricing before you decide.
Yes. Standalone dental, vision, and hearing plans are available year-round without an open enrollment window. You can add them alongside a major medical plan or enroll in them on their own. Most clients add at least dental and vision because the monthly cost is low and routine care is fully or mostly covered.
Step one: a short conversation about what you need covered and your budget. Step two: we pull live quotes from carriers serving your ZIP code and walk through the options. Step three: when you find the right plan, we submit the application directly with the carrier — most enrollments complete in under 30 minutes. You'll have ID cards within a few business days of approval.
A single carrier can only sell you their own plans. As an independent agency, we represent multiple top-rated carriers and have no incentive to push one over another — our recommendation is based on what fits your situation. Plus you get one consistent point of contact for every plan you carry, year after year.
ready when you are
Speak with a licensed agent today. We'll listen, compare your options, and recommend a plan that actually fits — or tell you honestly if what you have is already a good deal.
