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Simplifying benefits insurance for individuals and organizations

Give us a call today

Simplifying benefits insurance for individuals and organizations

Give us a call today

About Jones Health & Benefits Group

Our Mission

Our Coverage

At Jones Health & Benefits Group, our Mission is to build lasting relationships within our community by providing personalized benefits solutions and expert education, ensuring our clients and their families feel protected and understood with the reliability of small-town trust.

Our Coverage

We offer a wide range of Benefits insurance options, including individual plans, family plans, and group plans for businesses of all sizes. All coverages backed by the highest rated carriers in the industry. We are here to guide you every step of the way

Meet Our Account Manager

Angel Ramirez is our Benefits Account Manager at Jones Agency. She was born and raised in Fargo, North Dakota and graduated from Fargo North High in 2016. Over the past three years, she has built her career in the insurance industry, developing a strong foundation in client service, risk management, and relationship building.

Outside of wo

Outside of work, I enjoy traveling and spending quality time with my family. I value building meaningful relationships both personally and professionally, and I bring that same commitment and care into everything I do.

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Meet Our Agent

Meet Our Account Manager

Andrew Jones is our Benefits Consultant and Agency Owner. Andrew grew up in Argusville, North Dakota and graduated High School in 2017 from Northern Cass. Following High School, Andrew went to the University of North Dakota as a member of the Football team before transferring to St. John's University in Collegeville, Minnesota where he graduated in 2022 earning a bachelors degree in Communications. Andrew grew up in a family run 4th generation business and his goal is to help empower business owners to grow and succeed by providing honest guidance, tailored benefits solutions, and dependable support that protects their employees, strengthens their financial stability, and helps them build a healthier, more resilient workforce.

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Our Benefits Portfolio

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Group/Individual Health Insurance

Protect your biggest assets, your employees and your business with customized plans to fit the needs and budget of your business. Health insurance provides individuals, groups, and families with financial protection by covering part or all of the medical costs that arise from illness, injury, or ongoing health needs. These plans typically include preventive care and a wide range of essential health benefits, such as emergency services, outpatient treatment, maternity and newborn care, pediatric services, mental and behavioral health support, substance abuse treatment, prescription medications, rehabilitative and habilitative therapies, laboratory testing, wellness and preventive services, and comprehensive chronic disease management—helping people stay healthy while reducing the burden of medical expenses

Medicare

Medicare is a federal health insurance program designed primarily for people aged 65 and older, though it also provides coverage to younger individuals who qualify due to certain illnesses or disabilities. It offers several coverage options, including Part A for hospital care, Part B for medical services, Part C Medicare Advantage plans that combine and expand benefits, and Part D for approved prescription medications. In addition, Medicare supplement plans—known as Medigap—are available to help pay costs not covered by standard Medicare, giving beneficiaries added financial protection and flexibility

Dental/Vision Insurance

Dental and vision insurance help reduce out‑of‑pocket expenses by covering a portion or all of the costs associated with essential care—from preventive dental services, basic and major restorative treatments, and orthodontics to comprehensive vision benefits including eye exams, frames, lenses, and contact lenses.

Accident Insurance

Accident insurance is designed to give people an extra layer of financial protection when unexpected injuries happen, and the value is often clearer when you spell out what it actually does for someone.

Provides cash benefits after an accidental injury. These benefits are paid directly to the insured person, not to doctors or hospitals, so they can use the money however they need.
Helps cover out‑of‑pocket costs. This can include deductibles, copays, transportation to appointments, lost wages, or household bills that pile up while someone is recovering.
Supports recovery from a wide range of injuries. Plans typically pay for things like fractures, sprains, burns, concussions, emergency room visits, ambulance services, and hospital stays resulting from an accident.
Offers financial stability during unexpected events. Even with good health insurance, accidents can create sudden expenses. Accident insurance helps reduce that financial strain.
Provides peace of mind. People know they have a safety net if an injury disrupts their routine, income, or family responsibilities.

Critical Illness/Cancer Insurance

Critical illness and cancer insurance provide a lump‑sum cash benefit when someone is diagnosed with a covered serious condition—such as cancer, heart attack, stroke, or other major illnesses. This money is paid directly to the insured, giving them the flexibility to use it however they need. People often rely on these benefits to help cover:

Out‑of‑pocket medical costs that regular health insurance doesn’t fully cover
Household bills like rent, utilities, and groceries during treatment
Lost income if they need time away from work
Travel and lodging expenses for specialized care
Supportive services such as home care or childcare

Short Term Disability

Short‑term disability insurance provides income replacement when someone is temporarily unable to work due to a covered illness, injury, or medical condition, helping them maintain financial stability while they recover.

It typically helps by:

Replacing a portion of lost wages during time away from work
Covering non‑medical expenses like rent, utilities, groceries, and other daily bills
Supporting recovery from conditions such as surgeries, pregnancy and childbirth, injuries, or serious short‑term illnesses
Providing peace of mind so individuals can focus on healing rather than worrying about missed paychecks

Life Insurance

Life insurance provides financial protection for loved ones by paying a tax‑free cash benefit to designated beneficiaries after the policyholder’s death, helping cover expenses such as funeral costs, outstanding debts, daily living needs, and long‑term financial goals so families can maintain stability during a difficult time.

Hospital Insurance

Hospital indemnity insurance provides cash benefits directly to the insured when they are hospitalized due to a covered illness, injury, or childbirth, helping offset expenses such as deductibles, copays, transportation, and everyday household bills so individuals can maintain financial stability during a hospital stay.

Long-term Care Insurance

Long‑term care insurance helps individuals cover the cost of extended care services—such as assistance with daily living activities, in‑home support, adult day care, assisted living, or nursing home care—when age, illness, or disability prevents them from living independently, providing financial protection and preserving personal savings during long‑term health challenges.

Annuities

Annuities are financial products designed to provide a steady stream of income, typically for retirement, by allowing individuals to invest money that then grows tax‑deferred and can be paid out over a set period or for life.

Simplifying benefits insurance for individuals and organizations

Simplifying benefits insurance for individuals and organizations