Medical  (Individual and Group)

Whether you are looking for quality individual coverage for yourself or family, or to implement a group health plan for your business, I can help.  As a licensed independent agent representing 40-50 different companies, I'll do my part to review alternatives through a host of credible carriers and take the time to carefully explain your available options. You deserve direct personal attention without having to ask for it. I have been committed to providing my clients the highest possible level of service since 1987, and appreciate your business.

If you are considering individual or family coverage, you might consider Health Saving Account (HSA) Compatible plans, which may provide a reduced premium, along with the opportunity to set up a tax favored account to pay for unreimbursed medical expenditures in the future.  You might also be able to save premium dollars by implementing a Non-Qualified Open Access Health Plan, designed primarily for those looking for large loss protection at a reduced rate without the restriction of medical provider networks. 

If you are an employer, you might wish to consider a variety of funding options, including setting up a Health Reimbursement Account (HRA), which can give you the angle you are looking for to provide your employees the same or an improved level of benefits presently offered while giving you the opportunity to save tens of thousands of premium dollars to your company each year. Alternatively, level self-funded plans have gained popularity for small groups looking to stretch their premium dollar, an option formerly reserved for only large employer groups.

As all individuals and businesses are different, I don't believe in using a one-size-fits-all cookie cutter approach.  After carefully reviewing your unique situation, I will be happy to present options that allow you to get the most out of your healthcare dollars.  And I will be there to guide you year after year through the ever-evolving changes in the medical insurance industry due to regulation and legislative changes.