All Plans
Find the Right Coverage for You
Whether you're turning 65, looking for health coverage, or protecting your family's future — we'll help you understand your options and choose with confidence.
Companies We Represent
We're independent agents, which means we work with the top-rated carriers in the region — not just one company. That gives you more options and unbiased guidance.
Aetna
Medicare Advantage & Supplement
Peak Health
ACA & Individual Plans
Humana
Medicare & Dental/Vision
The Health Plan
Group & Individual Coverage
UnitedHealthcare
Medicare, ACA & Group
Hospital Indemnity
Cash benefits during hospital stays
Dental Insurance
Preventive, basic & major dental care
Carrier availability may vary by plan type and location. Contact us to confirm which carriers are available in your area.
Medicare Insurance
Turning 65 or already enrolled? We'll make Medicare simple.
Medicare can feel overwhelming — Part A, Part B, Advantage plans, supplements, Part D drug coverage. We break it all down in plain English and help you find the combination that covers what you need at a price that makes sense.
- Medicare Advantage (Part C) — All-in-one plans that bundle hospital, medical, and often drug coverage — many with $0 premiums.
- Medicare Supplement (Medigap) — Fills the gaps in Original Medicare — covering copays, coinsurance, and deductibles.
- Medicare Part D — Standalone prescription drug coverage to pair with Original Medicare or a Supplement plan.
- Special Enrollment Plans — Lost employer coverage or moved? You may qualify for a Special Enrollment Period outside open enrollment.
ACA Health Plans
Not yet on Medicare? We'll find you affordable coverage.
If you're under 65 or not yet eligible for Medicare, an ACA marketplace plan may be your best option. Many people qualify for subsidies that significantly reduce their monthly premium — and we'll make sure you don't leave money on the table.
- Premium Tax Credits — Subsidies based on your income that can dramatically lower what you pay each month.
- Bronze, Silver, Gold & Platinum Plans — Different tiers to match your budget and how often you use healthcare.
- Cost-Sharing Reductions — Extra savings on deductibles and copays for qualifying income levels.
- Special Enrollment Periods — Life events like job loss, marriage, or moving can open a window to enroll anytime.
Life Insurance
Protect the people who matter most.
Life insurance isn't just for young families. Whether you want to cover final expenses, leave something behind for your loved ones, or make sure your spouse is taken care of, there's a policy that fits your situation and budget.
- Term Life Insurance — Affordable coverage for a set period — great for income replacement or mortgage protection.
- Whole Life Insurance — Permanent coverage that builds cash value over time and never expires.
- Final Expense Insurance — Smaller policies designed to cover funeral costs and end-of-life expenses — no medical exam required.
- Universal Life Insurance — Flexible permanent coverage with adjustable premiums and a savings component.
Annuities
Guaranteed income you can count on for life.
One of the biggest fears in retirement is outliving your savings. An annuity can provide a steady, guaranteed income stream no matter how long you live. We'll explain the different types in plain English and help you decide if an annuity belongs in your retirement plan.
- Fixed Annuities — A guaranteed interest rate with predictable, stable growth — no market risk.
- Fixed Index Annuities — Growth tied to a market index with downside protection — you can't lose your principal.
- Income Annuities — Convert a lump sum into a guaranteed monthly paycheck for life or a set period.
- Deferred vs. Immediate — Start income now or let your money grow first — we'll help you decide which timing fits your plan.
Group Insurance
Affordable benefits that help you attract and keep great people.
As a small business owner, offering group benefits doesn't have to be complicated or expensive. We work with top carriers to find group health, dental, vision, and life plans that fit your budget and make your business a place people want to work.
- Group Health Insurance — Medical coverage for your employees and their families — often more affordable than individual plans.
- Group Dental & Vision — Add-on benefits employees love that don't break the bank.
- Group Life Insurance — Basic life coverage as a low-cost employee benefit that shows you care.
- Section 125 / Cafeteria Plans — Let employees pay premiums pre-tax, saving both them and your business money.
Hospital Indemnity Insurance
Cash in hand when a hospital stay turns your world upside down.
A hospital stay can come with costs your health insurance doesn't fully cover — lost income, transportation, meals, and more. Hospital indemnity insurance pays you a set cash benefit for each day you're hospitalized, so you can focus on getting better instead of worrying about bills.
- Daily Hospital Benefit — Receive a fixed cash payment for each day you spend in the hospital — use it however you need.
- ICU & Surgery Benefits — Higher benefit amounts for intensive care unit stays and covered surgical procedures.
- No Network Restrictions — Benefits are paid directly to you regardless of which hospital or doctor you use.
- Pairs with Medicare or ACA — Works alongside your existing coverage to fill gaps and cover out-of-pocket costs.
Dental Insurance
Keep your smile healthy without breaking the bank.
Original Medicare doesn't cover routine dental care, and many seniors go without coverage they really need. We offer standalone dental plans that cover preventive visits, fillings, extractions, and major work — so you can take care of your teeth without dreading the bill.
- Preventive Care — Cleanings, exams, and X-rays typically covered at 100% — no waiting period.
- Basic Restorative — Fillings, extractions, and simple procedures covered after a short waiting period.
- Major Services — Crowns, bridges, dentures, and root canals covered at a percentage after waiting period.
- Standalone or Bundled — Get dental-only coverage or bundle with vision for a more complete benefits package.
Not sure which plan is right for you?
That's exactly what we're here for. A quick conversation is all it takes to point you in the right direction — no obligation, no pressure.