I lost my job and my health insurance, what options do I have?

In most states you have the option to apply for COBRA through your previous insurance company.
Often we are able to find an individual or family health insurance plan at rates that are better than COBRA. Be sure to ask your agent about your options.

My COBRA runs out at the end of this month, is there anything I can do?

Many people are eligible for individual or family plans at prices that are better than COBRA.
We have Guaranteed Issue plans for individuals who have completed 18 months of coverage under Cobra.

I own my own business but don’t have any employees. What kind of health insurance is available?

A business owner can choose from individual, family, or group health plans.
Business Group of One is particularly appealing to individuals who have a medical history that wouldn’t qualify for individual insurance.

Do you pull a credit report when looking for insurance quotes?

For health insurance, insurance companies and agents do not generally pull credit reports while providing quotes insurance.

What other benefits do your policies offer?

As an independent agency, we don’t work with just one company. Each company provides myriad benefits and options. If you are having trouble navigating these waters, please take time to talk with one of our agents.
Many of our companies offer additional benefits to their policies. Including but not limited to: supplemental death benefits, ID Theft Protection, and single deductibles.

Does it cost more to work with a broker?

In most states, brokers are not allowed to charge any additional fees. This means that the rate the insurance company filed with the state is the price you pay.

How much coverage do I need?

How much could you afford to pay out of pocket if:

  1. You went to the doctor?
  2. You had to purchase medicine?
  3. You had to stay a night or more in the hospital?
  4. You broke a bone?
  5. You found out you had a serious illness?

These are all things to consider when purchasing your health insurance.  Every policy provides different levels of protection for different events.  If you have any questions, please consult with one of our licensed agents.