Providing the Protection You Need for Your Family or Small Business
Two-thirds of all bankruptcy cases cite medical expenses as the cause. Three-quarters of these cases are from people who actually had health insurance. The problem is that they were not adequately covered or didn't know how to use what they had.
Our goal is not only to keep you from becoming a statistic, it is to ensure that you and your family are properly protected with the best available option to suit your unique needs and budget. Whenever that optimal solution does not exist, then we tailor solutions to fit your needs.
Health Insurance is a difficult environment to navigate. Use our consultants and licensed agents to make sure your family is covered. We are #HereToHelp.
Your Health Insurance Consultant
The world of health insurance can be difficult to navigate. Everything is not always clear:
- What is included with certain plans versus others
- When you can change plans
- Which providers can I use without incurring additional out-of-pocket costs
- The difference between HMOs, PPOs and EPOs
- Local only or nationwide coverage
- Differences in coverage between accidents, illnesses and wellness
- Whether your spouse is covered by your insurance while on their job
That’s where I come in. As a licensed agent, I help clarify all that fuzziness and help you get to the coverage that you and your family need.
Health Insurance Options
for Individuals who pay for their own insuranceObama Care
Short Term Plans
Christian / Cost Sharing Programs
Indemnity Plans
Private Insurance
FUN FACTS – Insurance Options
Fun Facts:
- Medicare > 65 and helped fund Social Security throughout adulthood
- Medicaid = US and State combined coverage for low-income situations
- There are 3 names for government plans: Obamacare, Marketplace, ACA
- ACA policies are in force for 1 year and then you have to select a new plan
- Rates increase every year along with average deductible
- Letters will start arriving (ANOC – Annual Notice of Change) soon
- Private insurance sells policies all year and can renew the same plan, but Obamacare plans must enroll during open enrollment period (or a life change event) and select a new plan every year
Open Enrollment Periods for 2022
Medicare:
October 15 – December 7 (initial enrollment is at 65)Obama Care / ACA/ Marketplace:
November 1 – December 15Private Insurance:
Anytime
Why Me?
- Consultant – I will help and educate about what is available and help you find the best plan for your needs and your budget
- Available 24/7 for my clients
- Help my clients find the most reasonable doctor/hospital/facility
- Partners licensed in over 25 states
- Access to all the plans in the state
- On or Off the Job Coverage
- Accident and Critical Illness Supplements
- Dental and Vision available as inclusive or stand-alone
Good Referral possibilities...
- Self Employed
- Anyone paying for their own insurance
- Small Businesses
- Families paying for coverage on other spouses group plan
- That person who recently lost or left their job
- Individual or Family on COBRA
- Individual or Family on a Marketplace Plan
- Recently Divorced
- Turning 26 – aging out of their parent's plan
- Teachers
- Real Estate Agents
- Companies with 1099 Employees
- People who do not have insurance
- Recently Widowed
Get Informed
Learn all your options and find the best health insurance plans to fit your specific needs and budget.
Free Download
Health Insurance One Sheet