Coverage Options


There’s a better way to do insurance — and it starts with people first.

We team up with top insurance carriers to give you flexible, affordable coverage — without all the runaround. Whether you’re self-employed, running a business, or just want a plan that finally makes sense, we’re here to help you get it right.

Types of Insurance Plans

Individual & Group Health Plans
These insurance options provide coverage for medical expenses, offering financial protection against healthcare costs. Individual health plans are for single individuals or families, while group health plans are typically provided by employers to their employees.

Critical Illness Insurance
Critical illness insurance provides a lump-sum payment if the insured person is diagnosed with a serious illness covered by the policy. It can help cover medical expenses and other costs during a challenging time.

Accident Insurance
Accident insurance offers financial support in case of accidental injuries, helping with medical bills, rehabilitation costs, and other expenses associated with accidents.

ACA/Marketplace
The Affordable Care Act (ACA) marketplace, also known as the Health Insurance Marketplace, provides a platform for individuals and families to purchase health insurance plans that comply with ACA regulations, often with subsidies to make coverage more affordable.

Life Insurance
Life insurance policies provide a death benefit to beneficiaries upon the insured person's death. It can serve as a financial safety net for loved ones, covering various expenses and obligations.

Final Expense Insurance
Final expense insurance is a type of life insurance specifically designed to cover the costs associated with a person's funeral and burial, easing the financial burden on surviving family members.

Living Benefits
Living benefits, also known as accelerated death benefits, allow policyholders to access a portion of their life insurance death benefit while they are alive if they are diagnosed with a terminal illness or other qualifying condition.

Long-Term Care Insurance
Long-term care insurance helps cover the costs of extended care services, such as nursing home care, assisted living, and in-home care, which may not be covered by health insurance or Medicare.

Medicare Supplements
Medicare supplements, also called Medigap plans, fill in the gaps in coverage left by Original Medicare (Part A and Part B), helping beneficiaries with out-of-pocket expenses like deductibles and copayments.

Dental/Vision Insurance
Dental insurance covers the cost of dental care, including check-ups, cleanings, and treatments. Vision insurance helps with eye care expenses, including exams, glasses, and contact lenses.

Rx Drug Plans
Prescription drug plans, often part of Medicare Part D, provide coverage for prescription medications, ensuring that beneficiaries can access necessary medications affordably.

More Carriers Means More Ways to Customize your Coverage

Let's Get Started

Let USA Benefits Group Kushner Agency provide you with the resources and information to get you on the right insurance path.
Have questions? Talk to a real person on our team—we’re here to help!

State Licenses

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Stephen Kushner's State Licenses

State

License #

AL

3000814018

AR

14891047

AZ

14891047

CA

4225614

FL

W631817

GA

3332296

IA

14891047

IL

14891047

IN

3531890

KS

14891047

KY

1084457

LA

866727

MD

2071877

MI

0968267

MO

3000820124

MS

10679756

MT

3000819973

NC

14891047

NE

14891047

NV

3530339

OH

1284469

OK

3000861637

SC

14891047

TN

2474243

TX

2501273

UT

769312

VA

1164407

WI

14891047

WV

14891047

WY

434690