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216-242-2621

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Traci McCoid

I'm here to help you STRETCH your healthcare dollars

Heritage Consulting Group has been proudly serving the Northeast Ohio and beyond since 2004. We’ve gradually expanded our reach and services, offering unique products that help save you money at prices you can afford.   

Everyone’s healthcare needs are unique.  Based on your needs, we customize a solution for you and even help you plan for the future.  

 

We're always on the lookout for anything health-related that is valuable and will protect and save you money.

 

If you are interested in exploring some of the options that give you a  comprehensive, customized program while saving you money on your healthcare expenses...Contact me TODAY!

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Healthcare Plans

Expand Your Options Beyond Traditional ACA Plans

Now more than ever, individuals and families are feeling the pinch of healthcare costs.  High deductible, high premium plans leave individuals feeling as if they have no coverage at all!  A family could easily spend $40,000 every year before insurance pays...but not with our options. 

Medical cost share or short-term health insurance may be a solution for you!  Learn how you could save hundreds or even thousands of dollars every month, while still having the quality of care you deserve.

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The Ultimate Medical Benefit Savings Account

Available to EVERYONE! Covers Pre-Existing Conditions

Receive up to $2 in medical benefits or more for every $1 contributed into your account balance.  As the program progresses, it will allow you to raise your health insurance deductibles and lower your monthly premiums over time. This patent-approved account is designed to cover your out-of-pocket, medical cost obligations up to the higher deductibles.  It also allows you to pay for items not covered on your medical plan but pay 50¢ for every $1 in medical expenses.

  • Available to everyone, regardless of age or insurance plan

  • Covers pre-existing conditions

  • Guaranteed Issue – NO underwriting questions

  • 11 Different plans to meet your budget and your needs

  • Guaranteed $2 for $1 monthly account crediting over time

  • Use for out-of-pocket expenses

  • Takes 5 minutes to enroll

  • Includes $0 co-pay telemedicine benefits at NO additional cost to help you save even more

  • Now you can have an account for your household PETS!

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Supplemental Plans

Do You Have a Plan for Unexpected Medical Events?

Many times the unexpected injury, hospital stay or illness creates undue financial hardship. 

 

Your primary healthcare plan has deductibles, co-pays and more that cost you money.  It may mean putting bills on expensive credit cards or taking withdrawals from your hard-earned savings.

Furthermore, an extended illness costs much more than just the actual hospital bills.

Our custom-tailored supplemental insurance policies are built for these unexpected events and can leave you with peace-of-mind.

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Prescription Plans

Revolutionizing Drug and Diabetes Delivery and Pricing

Rx101 Powered By RxValet is a revolutionary retail and home delivery pharmacy service. We take the time and frustration out of finding the best price on medications by showing you all the best prices.

 

We provide:

  • Best pricing on generic meds at your local pharmacy

  • Mail order pricing for your chronic needs...with free shipping

  • Savings on other over-the-counter medications

  • A diabetes program with free starting kit (glucometer, testing strips, lancets, solution), low cost testing strip refills, FREE medication (see details for exact medications eligible)

  • Best prices on injectable insulin!

  • International sources for expensive brand name medications

  • Prescription Assistant Programs

 

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Dental Plans

A Better Way to Save on Dental Care

We know the problem...dental care is so crucial for our well-being, but it is very expensive.  It is often the last thing we spend out money on until a toothache gives us no choice.

 

We know the other problem...purchasing dental insurance just doesn't make financial sense.  "Free cleanings" that aren't really free, deductibles, co-pays, co-insurance, waiting periods keep increasing, but limits on services are actually going down.

The solution?  Access to discounted services each and every time you visit the dentist.  Right now, we are having a BOGO special!

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Life Insurance

How Do You Care For Your Family if YOU Aren't Here?

It isn't alway easy to buy life insurance.  It is a selfless act that gives you one thing:  peace of mind.  But to those you leave behind?  It can be priceless. 

 

Because you may think you're leaving them money, but what you're really leaving behind is a college education, a wedding day your child always dreamed of, a spouse who can stay home to raise small children, a debt-free family after an extended illness, and depending on the type of policy you choose, the ability to "bank on yourself" during your lifetime, enabling you and your family to have a means of borrowing and growing your assets.

All needs are different.  All budgets are different.  That's why as an independent agent, I am able to put YOUR needs first and find a policy that works for you now and in the years to come.