An agent is professionally trained on the products they represent. They are required to have 24 continuing education credits to make sure they continue to be current on insurance topics. Agents are client advocates and can work with insurance companies to resolve issues quickly – much more quickly than the client can do that working directly with the insurance company. The services of an agent are free to a client.

Independent brokers represent a number of different insurance carriers, which means our goal is to provide a solution which is not tied to only one company. This means better choices for our clients.

Our normal response time to return calls from clients is two hours and no more than 24 hours.

There are three choices of Medicare Health Insurance you can purchase:

  1. A Medicare Supplement and a prescription drug plan (Part D)
  2. Medicare Advantage plans with or without Part D coverage included.
  3. Original Medicare  and a prescription drug plan (Part D)

Medicare alone will not pay all of your medical expenses. Original Medicare works like a lot of health plans in that there are deductibles and co-pays. The costs with standalone Medicare can be significant for hospital stays and diagnostic testing. Purchasing additional private medical insurance may reduce these out-of-pocket expenses.

As of January, 2018, all employers who offer health insurance benefits will have to comply with the Affordable Care Act.  This means that any grandfathered/grandmothered plans will no longer be available.The impact of this is to effectively double the rates for fully insured plans.

Now is the time to start looking for alternatives to the high cost of compliant plans.. A carefully constructed benefits plan can address the high deductible, the coverage gaps and combine employer-paid and employee-paid benefits at a significant savings.

Our benefits package includes group health benefits, dental, vision, cancer and accident protection, life insurance, disability, and long term care.

We will help you find the best employee benefits plan to meet all of your needs. We can streamline the benefits process for you and your employees will love the coverage!