Individual Health Insurance Quote

While we have access to many carriers and their different products and plans, we have our favorites because they serve our clients the best. You are the one that matters.  Nobody wants to pay for insurance; nobody really likes thinking about it, that’s why we have done the work for you. We only work with tried and true companies that have been around awhile and have a great reputation  

If you will take the time to be educated, we will empower you with tools and knowledge so you can get the best value for you and your family. Our flagship plan offers the following:

• No deductible options

• First Dollar Coverage

• Teledoc – 24/7 365 days access to a doctor at no additional charge.  This is a great way to get common every day prescriptions called in for you after hours or on the weekend, but it will save you a trip to the doctor at any time.

• Concierge Service – Should you have the unfortunate event of ending up in the hospital, the service will negotiate your medical bills.  Yes, everything in life is negotiable, but in this case you have experts to do it on your behalf at no additional charge.

• 24/7 Coverage On/Off the job

• 360 Coverage in case of a critical illness

• Highly Reputable PPO Network

We can help people who have certain medical issues like osteoarthritis or they might be taking a medication like metformin.  We do all this at reasonable prices that won’t break the bank.

Understanding the Numbers

What some people don’t realize is that they are paying to self-insure.  What do we mean by that. Let’s say you are paying $367/month in premium but you have a $3,500 deductible on a plan meaning you must spend that $3,500 before you get an 80/20 coverage with your current insurance coverage.  Then you have a max out of pocket of, lets say $10,000 before you get 100% coverage.

Divide 3,500 by 12 months. That comes to $291.66.  Add $291.66 and $367/monthly premium. Now you are really paying $658.67 for your coverage.

We can insure children on their own.  

If you have insurance supplied to you at work, but when you add your children and/or spouse, the prices goes way up.  We can cover your children while you and your spouse accept the insurance provided by your employer.

GAP Insurance

Do you have a huge deductible?  Is this what your company provided you or did you just choose the high deductible so you could afford the insurance plan?  We can help you with a very affordable GAP plan to cover that deductible.

We also offer group, self-employed, small business, and teacher insurance coverage. Please contact us today for a fair and honest insurance quote.

No matter your circumstances, we’ll likely be able to create a plan to give you better coverage for less.