Looking for the best, for you

FORTRESS
BENEFITS

A business approach to find the best employee benefits

What we do

Our goal is to provide you with the best health insurance and benefits plan for your company. Fortress Benefits is an independent, customer-oriented brokerage firm in Waverly, IA, serving clients of all sizes throughout the state.

Instead of selling you a product, we work collaboratively to create your competitive benefits package. Our plans are matched only by our customer service. You won’t get one phone call from us when it’s time to renew your plan. We want to make sure your benefits match your employees’ needs, so we’ll schedule one-on-one appointments with your employees to ensure they’re getting what they need.

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Individual Medical
Insurance

Without an adequate health insurance policy, if you or a family member gets injured in an accident or becomes ill, the last thing you’ll want to experience is paying for high medical costs from your own pocket. If you’re an individual looking for coverage, either for yourself or your family, you can find the perfect Individual and Family Health Insurance Plan from Fortress Benefits.

Since health insurance options vary by county, our experienced specialists will work with your needs on an individual basis to create a plan that keeps you covered. Don’t start a healthcare plan without a conversation. Get the affordable protection that keeps those you care about most healthy with an Individual and Family Health Insurance policy

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Our Carriers

Metlife

Humana

Lincoln

Oscar

Wellmark

Unum

Allsavers

Medica

Advantage

Uhc

Farm

Basic

Wellcare

NationalGeneral

Aetna

Principal

Question of
the Month

Questions that were the most frequently asked by our clients this month. Fortress Benefits is proud to offer the best customer service to our clients and answer any questions they may have.

Are we too small to offer employee benefits?

No. In some cases, groups as small as one employee can obtain group health coverage.

What is the difference between a HMO and a PPO?

An HMO is a network that is only available within the state you live in. There are exceptions for emergency situations if you are out of state and need ambulatory care. A PPO network is a nationwide network. It’s best to check with your carrier or your broker if you are uncertain if a provider is in-network.

Can I change my coverage at any time?

No. You can only change your election (unless your dropping coverage altogether) at your companies open enrollment period. There are special circumstances that allow changing your elections. This would include birth, death, in-voluntary loss of coverage, or marriage.