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Individuals

Coverage that fits your life, not just a job title.

You don’t need to own a business to have someone in your corner. Working, between jobs, self-employed, or retired, Babiya can help you understand your options and protect what you’ve built.

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Babiya Polk at a long worktable, listening closely.

Where people usually start

  • Your employer’s plan has a high deductible, and you’re not sure what it leaves you paying.
  • You’re between jobs, or about to leave one, and coverage is the question nobody answered.
  • You’re caring for kids, parents, or both, and one bad week could knock the household off course.
  • You just want someone to explain it in plain language, without a sales pitch.
01

When life happens, the bills don’t wait

If you’re hurt or seriously ill, your bills won’t wait. Babiya helps you set up affordable coverage that pays you directly, so you can focus on healing, not hustling. These benefits pay you cash, regardless of your existing health insurance.

  • Accident coverage for everyday mishaps
  • Short-term disability if you can’t work for a while
  • Critical illness plans for diagnoses such as cancer, heart attack, or stroke
  • Hospital indemnity to help with out-of-pocket costs from a stay
02

Filling the gaps in health insurance

Even the best health insurance leaves gaps, especially with high deductibles and co-pays, or if you’re uninsured.

  • Your options, explained in clear, simple terms
  • Plans start as low as a few dollars a week
  • Built around your budget and your life
03

Education, not pressure

Most people don’t know what’s available to them, or how benefits work. Babiya helps you understand it so you can choose with confidence.

  • One-on-one benefit consultations
  • No-pressure conversations
  • Online, over the phone, or in person
04

For families and caregivers

Whether you’re raising a family, caring for aging parents, or navigating it all solo, Babiya helps you build a safety net.

  • What happens if your child is hurt or hospitalized
  • How to protect your income if you need time off to care for someone
  • How to keep one unexpected event from derailing the household
05

When things change

Babiya helps you navigate the benefit maze and stay covered, whatever stage of life you’re in.

  • Starting a new job
  • Leaving a job or retiring
  • Losing coverage through an employer
  • A birth, a divorce, or a move
06

Our approach: human, helpful, honest

You won’t find pushy salespeople here. One Degree Benefits leads with empathy and honesty, because everyone deserves access to affordable, meaningful coverage, not just those with big job titles or corporate plans.

Plan availability, pricing, and terms vary by carrier and state.

Your first conversation

Good questions to bring.

There are no wrong questions. These are a few that tend to open up the right conversation.

Start a conversation with Babiya How working together works
  1. “What does my current coverage leave me paying?”
  2. “If I couldn’t work for a few months, what would actually cover my bills?”
  3. “What changes if I leave my job?”
  4. “What does this cost, and what doesn’t it cover?”