Health, Dental, Vision, Life, Disability, and Medicare Supplement

We think night and day about the right coverages for you so that you can sleep soundly.

Four Square provides multiple options to best fit your company and employees, representing established and financially sound carriers including CareFirst, United Healthcare, BCBS of Delaware, Aetna, The Guardian, Unum and many more.

And we shop each year at renewal to ensure you are reviewing all options available in the market place.

Although we specialize in custom benefits packages for employers, we also create benefits packages for individuals that include assisting you in purchasing qualified health plans both in the new healthcare exchanges and in the private market.

Employer-Health, Dental, Vision, Life and Disability and Voluntary Benefits

Our specialty is working with employers to find benefit solutions that financially make sense and bring value to both them and their team. Our resources are unlimited and we use these to prepare a custom package to include not only health benefits but comprehensive solutions that save money and ensure a healthy workforce.

Individual-Health, Dental, Life and Medicare Supplement

The Healthcare Exchange
As of the 2014 PPACA/Health Care Reform legislation, all US citizens and legal residents are required to have qualified health insurance. This legislation also requires that each state maintain a Healthcare Exchange — which is a marketplace in which individuals explore, compare and enroll in private health insurance and public assistance programs.

Exchanges offer tax subsidies and cost sharing reductions to individuals and families who do not have access to affordable healthcare insurance. For more information on the Healthcare Exchange, please contact our office.

Private Market Health, Dental & Vision Insurance
The carriers are required to offer individual health plans outside the Healthcare Exchange for those individuals and families who do not qualify for subsidized coverage. We also assist with questions regarding individual dental and vision. To obtain individual and/or family insurance rates in the private market in Maryland and DC, please contact our office or send an email to

Life Insurance
Preparing for the financial future of a loved one after you are gone is a difficult thought. We can help you receive security and peace of mine by working thought the life insurance process with you to find the right plan.

Medicare Supplement Plans
Retirement can be an exciting time to let go and spend time with family. It is also important to protect our financial security with a Medicare Supplement plan that covers the cost of health care that traditional Medicare Part A & B do not. We can help.