Help choosing health coverage
Deductibles, copays, networks, formularies: health insurance comes with its own vocabulary, and the wrong choice can be expensive. Whether you’re self-employed, between jobs, approaching 65 or running a small business, we’ll help you understand what you’re buying and how it fits with your doctors, prescriptions and budget.
Who we help
Individuals & families
Coverage for people who don’t get health insurance through an employer.
Medicare
Guidance on supplements, prescription drug plans and Medicare Advantage as you turn 65.
Small businesses
Options for offering health benefits to your employees.
Supplemental coverage
Plans that help with costs your health insurance doesn’t cover.
What to compare when choosing a plan
- The network: Are your doctors, clinics and hospitals in network?
- Prescriptions: Are your medications covered, and at what cost?
- Total cost: Premium plus deductible, copays and out-of-pocket maximum.
- Timing: When you can enroll and when coverage starts.
Plain-English answers
We don’t believe in pressure or jargon. We’ll listen to what matters to you, explain your options side by side, and help you enroll. And when you have questions during the year, you can call our Marion office and talk to someone who knows you.
Timing matters. Most health coverage can only be purchased during open enrollment or after a qualifying life event, and Medicare has its own enrollment windows. Contact us early so you don’t miss a deadline.
Health insurance questions
When can I buy individual health insurance?
Individual and family health plans are generally purchased during the annual open enrollment period each fall. Outside that window you may qualify for a special enrollment period after a life event such as losing other coverage, getting married, having a baby or moving.
I’m turning 65. What do I need to know about Medicare?
Your initial enrollment period starts three months before the month you turn 65 and ends three months after. Many people pair Original Medicare with a supplement and a prescription drug plan, while others choose a Medicare Advantage plan. We can explain the differences before you decide.
Can a small business offer health insurance?
Yes. Small businesses have several ways to offer health benefits to employees. The right approach depends on the size of your team, your budget and what your employees need.