Expert Health
Coverage Advice

Helping You Find The Right Coverage,
Save Money, And Navigate The Process...
It's What We Do Best

Services

From Medicare transitions to complex Individual and Employee coverage situations, our proven process will help you move forward with confidence.

Our Clients

We recognize that each each family is different. Our practice areas are designed to meet the specific needs of various families and individuals, including but not limited to:

  Individuals & Families

  Seniors (Turning 65)

  Medicare Eligible Employees

 Employees

  Employers

  Advisors & Agents

What They're Saying

Our Mission

We are a consulting firm that specializes in health insurance and Medicare planning. Unlike traditional agencies, we do not receive commissions or incentives from insurance companies. This allows us to provide completely unbiased guidance, focused solely on what’s best for you.

  

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Consulting vs Sales

Sales agents are aligned with insurance companies and sales organizations. They are compensated through premium-based commissions and performance incentives tied to the products they sell—making product sales the focus of their role.

In contrast, our consulting model is independent and client-focused. We are not paid by insurance companies; we work exclusively for you. Every recommendation is based on your goals and best interests, allowing for a strategy-first approach that delivers thoughtful, unbiased solutions.

  

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Strategy vs Product

A product is simply a tool used to help complete a larger project— Sales agents sell you tools. While products can play an important role, they are only one piece of a much larger picture.

Our approach goes beyond recommending or selling individual products. We focus on developing comprehensive strategies that are tailored to your unique goals, circumstances, and long-term needs. When appropriate, we incorporate specific products as part of that strategy, but only when they serve a clear and purposeful role in achieving the broader objective. 

  

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Implementation vs Transaction

Unlike traditional sales agents whose involvement often ends once a transaction is complete, we view that moment as the beginning of our relationship.

Our commitment extends well beyond initial recommendations. Ongoing guidance, education, and support are integral to our process, ensuring your strategy continues to serve you over time. This post-consulting partnership is a defining element of our approach and a standard we take great pride in upholding..

Our Process

Together we can formulate the best plan for you and your family with these 4 simple steps..

01

Strategy Session  and Discovery

02

Strategic Research and Analysis

03

Implementation and Client Orientation

04

Monitor, Review, and
Update

Schedule A Call

LATEST ARTICLES

Monday, July 01, 2024

You typically have a limited amount of time to choose the best health insurance plan for your family, but rushing and picking the wrong coverage can be costly. Here’s a start-to-finish guide to help you find affordable health insurance, whether it’s through a state or federal marketplace or through an employer.

Monday, July 01, 2024

There are many factors to consider when comparing Medigap plans, from monthly premium to pre-existing condition waiting periods.

Saturday, June 29, 2024

Looking over an employer-provided insurance plan summary can often feel like you’re reading something in another language. In all fairness, you sort of are.

Friday, June 28, 2024

Outside of ACA's annual open enrollment, you can still enroll or change plans if you experience a qualifying life event

Thursday, June 27, 2024

A premium tax credit can help you save on health insurance costs by reducing your monthly bill. It's only available for those who purchase insurance through a state or federal health insurance marketplace, and your income must fall below a certain threshold to qualify. You'll find out whether you are eligible when you apply for a marketplace health insurance plan.

Thursday, June 27, 2024

Medicare is a fee-for-service health insurance program for aging individuals. It comes with an alphabet soup of parts that offer different types of coverage and benefits. But Medicare has its challenges—including many holes that simply aren’t covered at all. To fill those gaps, consider enrolling in a Medicare Advantage or a Medicare Supplement plan. To help you make an informed decision and weigh the pros and cons of each option, we’ve gathered unbiased expert insights and research on coverage, cost, convenience and choice.

Thursday, June 27, 2024

When seeking out health insurance coverage past when it’s partially covered by your previous employer, how do you choose between picking COBRA or private health insurance? Both have pros and cons. The right choice, however, depends on your unique circumstances. Let’s discuss the pros and cons of COBRA vs. private health insurance.

Thursday, June 27, 2024

Your goal in choosing a Medicare Part D prescription drug plan is to select a plan that covers all your drugs with the lowest out-of-pocket cost, provides good service, and checks the box on any other personal requirements you might have.