Serving SW and South Central Michigan

Since 2007

A Licensed, Independent Agent

Life, Health, Disability

[email protected]

(269) 598-8227

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Health Insurance​

Under 65 Years of Age


We partner with some of the largest and most financially sound carriers.


We proudly offer both On and Off-Marketplace permanent health insurance plans.


Short-term Plans are also available for those who may be between jobs or who missed open enrollment and do not qualify for a special enrollment period.


We can supplement your health insurance with additional coverage to help with things your plan doesn't cover or to help with out-of-pocket expenses such as deductibles, co-pays, and co-insurance.


Dental and Vision coverage can round out your health coverage.


Supplemental Coverages include Accident, Critical Illness, Cancer and Hospital Indemnity plans.


International Travel

Meet GeoBlue, a better kind of care for world travelers like you. Experience unsurpassed service and the convenience of mobile technology to access the best medical care no matter what country, town or time zone.  Learn more and/or sign up for GeoBlue.  HTH Travel Insurance.


Medicare


Original Medicare, (Parts A and B), doesn't cover everything.


Medicare Supplements, also known as "Medi-Gap" help to cover some of what Medicare doesn't.  It allows patients to go to any provider who accepts Medicare Payments.  Medicare Supplements are known by a letter of the alphabet.  For instance, Plan G, Plan N, etc.  There are specific benefits required by federal law for each lettered plan.  This is to provide uniformity from one company to another.  I other words, a shopper can expect to find one company's Plan G to be very similar to all other companies' Plan G.  The only difference will be in the cost of the plan and any 'extra' benefits the company may offer with its plan.


Medicare Advantage (MA), sometimes known as Medicare Part C covers all of what Parts A and B cover and adds other benefits as well.  It often requires services to be provided by an in-network provider.  Often, these plans include Prescription Drug Coverage (MAPD).


Prescription Drug Coverage (PDP) is also available as a stand-alone add-on.


For low-income people or those who have specific disabilities, we also have Special Needs Plans.  These are available to fully-qualified individuals who are on both Medicare AND Medicaid and they might have a $0 monthly premium while offering more benefits than Medicare and Medicaid combined.