Servicing Customers for Over 20 Years

• Individuals - quoting multiple insurance companies for the best insurance plans and rates.
• Group - providing original cost saving ideas lowering insurance premiums and eliminates administration. Personal service to support your group health insurance needs.
• Medicare - Serving seniors with Medicare, supplements, Medicare Advantage, and Medicare Part D.
• Brokers -helping you service your clients without the administration with agent contracts.

 How To Evaluate Health Plans:

• Look out for plans that limit or exclude coverage.
• Know the deductible and how many may apply per family (one, two or three).
• Understand co-insurance. It is the percentage of the medical expenses paid after the deductible has been met. This is important because it can add up to a lot of money.
• Co-payments (office visits, prescriptions) are a punishment, not a benefit. Most companies do not have out-of-pocket limits on co-payments.
• Health insurance is about financial protection. Know the total maximum out-of-pocket from both the deductible and the co-insurance.
• Know where to go for medical services. Most insurance plans are tied to restricting Preferred Provider Organizations. Deductibles and co-insurance limits may increase for services outside the Preferred Provider Organizations.

Contact us to learn more about our options in health insurance.