Health Insurance

We offer a comprehensive range of health insurance options tailored to your unique needs, including Medicare Advantage, ACA plans, prescription drug coverage (Part D), dental and vision plans, short-term insurance, hospital indemnity coverage, and international travel health insurance. Our goal is always to match you with coverage that best suits your lifestyle, health conditions, and financial situation.

Our team specializes in identifying cost-effective health plans and maximizing subsidies or financial assistance programs you may qualify for, such as Extra Help (LIS). We carefully analyze your specific healthcare needs, prescriptions, and provider preferences to ensure you receive optimal coverage at the lowest possible cost.

Absolutely. Medicare can seem complex, but our highly trained team simplifies the process. We thoroughly evaluate your medical history, medication needs, preferred doctors, and budget to help you select a Medicare Advantage or supplement plan that effectively minimizes your out-of-pocket expenses while maximizing your benefits.

Medicare's Annual Enrollment Period (AEP) runs from October 15th to December 7th each year, allowing you to review and adjust your coverage for the following year. Medicare also has an Open Enrollment Period (OEP) from January 1st to March 31st, providing another opportunity to make adjustments. Additionally, individuals turning 65 have an Initial Enrollment Period (IEP) that begins 3 months before and extends to 3 months after their 65th birthday. ACA (Affordable Care Act) Open Enrollment typically runs from November 1st through December 15th, although some states have extended periods. Our team ensures you understand these dates clearly and helps you enroll on time.

If you missed regular enrollment, you might still qualify for coverage through a Special Enrollment Period (SEP). Common qualifying life events include relocating to a new area, turning 65 and newly qualifying for Medicare, losing existing coverage due to job changes, or experiencing significant changes in income. We quickly assess your eligibility and guide you seamlessly through the process to avoid gaps in your coverage.

No—our consultations, advice, and assistance are completely free of charge to you. We're transparent about how we're compensated by insurance carriers, but our priority remains clear: providing unbiased recommendations tailored specifically to your personal health needs and financial goals. You will never face pressure or fees from us.

Yes, our relationship with you extends far beyond enrollment. Our dedicated team proactively stays in touch, regularly checks in on your coverage satisfaction, helps you understand your plan benefits, resolves issues quickly, and ensures you maximize the full potential of your health insurance plan year-round. Your ongoing health and satisfaction are always our top priority.