Health Insurance, No Matter What Your Situation.
Medicare, individual health insurance, life, small group and ICHRA, and supplemental coverage. Whichever one turns out to be yours, it is the same phone number and the same team, at no cost to you.
See What Fits Your SituationOverview
Nobody grows up fluent in insurance. The plans get described in language you would never use in an actual conversation, the number that matters most is rarely the one printed largest, and every company you call somehow recommends its own product. That is the problem we exist to solve, and it starts with what we are able to sell you.
We are independent rather than captive to a single company, which gives us access to 200+ trusted carriers instead of one company’s plan list. A captive agent can show you what their one carrier offers and nothing else. We compare across the real field and tell you which plans fit you.
Our help is at no cost to you. Carriers pay us, you never pay us directly, and that has been the model here for twenty five years. It is also why we can tell you when the right answer is a plan we make nothing on, which happens more often than you would expect.
Below are the kinds of coverage we work with. If you already know which one is yours, go straight to it. If you do not, that is completely normal, and working it out together is the entire reason to pick up the phone.
Turning 65,
or Helping
Someone Who Is
Original Medicare is where it starts, not where it ends. Part A covers hospital care, Part B covers doctor visits, outpatient services, and equipment, and Part D handles prescriptions through cost phases that almost nobody has ever had explained to them.
Then comes the decision that actually matters: a Medicare Supplement or a Medicare Advantage plan. Neither one is better than the other in the abstract. Supplements trade a higher monthly premium for flexibility and predictability, Advantage plans trade network restrictions for lower upfront cost, and the right answer depends on your doctors, your prescriptions, and how much you could absorb in a bad year. Our Medicare page walks through all of it, including the three enrollment situations people actually find themselves in.
Coverage When It
Does
Not Come
From a Job
If you are buying your own health coverage, the hard part is not finding plans. It is knowing how to choose between them. We use a four part framework instead of a spreadsheet: protect yourself from the big, financially dangerous things first, make sure the doctors you want are genuinely in reach, decide whether a supplemental layer makes sense on top, and pick something that still fits a few years from now rather than only this year.
Healthcare.gov is one place to look and a perfectly good starting point. It is not the only one, and we compare the full field with you rather than one site’s list.
How Much Is
Actually Enough?
Most people stall on life insurance at the same question, and it is that one. We answer it with a calculation rather than a chart. Add up your Loans, the Income your family would need to replace, Final Expenses, and Education costs for your kids, and you have a real number that belongs to your family instead of an average one.
From there it is a choice between term coverage, priced for the years your obligations are highest, and permanent coverage, built for the expenses that never go away. Our honest recommendation for most people is both, paired, because they solve two different problems.
Benefits Your
Business
Can
Afford to Offer
Group health coverage is not one product with different price tiers. There are three genuinely different paths. A Traditional Employer Group plan gives you fixed rates with no health questions and the least administrative work. A MEWA pools your business with other employers, often through a local chamber of commerce, for buying power a small business could not get alone.
An ICHRA flips the model entirely: you set the budget, and your employees each choose the coverage that fits their own life. Which one is right depends on your headcount, your team’s health profile, and what you can spend. We compare all three side by side, and we stay available year round afterward rather than disappearing once enrollment closes.
For the Costs
Your Main
Plan
Leaves Behind
Supplemental insurance does not replace your health plan. It sits next to it, and the difference that matters is who gets paid. Your health plan pays the provider for the procedure. A supplemental plan pays you, in cash, for everything that piles up around it: the weeks of missed work, the drive to a specialist two towns over, the groceries and the mortgage that do not pause while you recover.
Dental, vision, accident, and critical illness coverage all work this way. Accident plans are the clearest example of the whole idea. You might use one once in thirty years, and that single claim can pay back more than everything you put in.
What Our
Clients Say
“Mike makes it painless. His staff is great as well. I have referred him to several family and friends. Helpful with Marketplace and Medicare.”
Questions About
Choosing a Plan
Start with what changed. If you are turning 65, or you are helping a parent who is, that is Medicare. If you need coverage and it does not come from an employer, that is individual health insurance. If you have employees you want to cover, that is small group or ICHRA. If people depend on your income, that is life insurance. If you already have a health plan and you are worried about what it leaves out, that is supplemental. Plenty of people land on more than one, and that is normal rather than a complication.
Medicare is the federal program you become eligible for at 65. Individual health insurance is coverage you buy for yourself before then, when it does not come from a job. They are different systems with different enrollment rules and different decisions inside them. Most of our clients eventually move from one to the other, which is one of the reasons we handle both rather than specializing in only one.
No. Carriers pay us, you never pay us directly, and that has been the model here for twenty five years. It is also why we can tell you when the right answer is a plan we make nothing on.
Yes, and most of our clients do. Supplemental coverage is built to sit on top of Medicare or an individual plan rather than replace either one. Life insurance is separate from your health coverage entirely. And if your employer sets up an ICHRA, you are shopping the individual market with their contribution behind you, which means two of these coverage types are working together.
Earlier than most people do. If you are approaching 65, we start the conversation a full year ahead, and our clients get a card from us on their 64th birthday inviting them in for a plain English Medicare 101 conversation before the mail starts. If employer coverage is ending, tell us the date as soon as you know it. If you run a business, well before your renewal rather than during it.
Our offices are in Belleville, Michigan and Lewis Center, Ohio, and you are genuinely welcome to sit down across the desk from us if that is what you would rather do. It is not the limit of who we serve. We work with clients throughout the surrounding communities in both states.