Healthcare Planning

We help individuals, families, and small businesses navigate health insurance with clarity and confidence. Our role is to educate, compare, and guide you toward coverage that fits your health needs, financial situation, and priorities—without pressure or guesswork.

Medicare Planning & Enrollment

What this involves:

• Education on Medicare Parts A, B, C, and D

• Comparison of Medicare Advantage, Supplement, and Prescription Drug Plans

• Doctor and medication verification

• Enrollment and annual review support

Meetings:

• Medicare education and discovery meeting

• Plan selection & enrollment meeting

Individual & Family Health Insurance Enrollment

What this involves:

• Review of household situation and coverage needs

• Evaluation of ACA plans, off‑exchange options, dental and vision

• Tax credit and subsidy analysis

• Medication and provider lookup

• Plan comparison and enrollment assistance

Meetings:

• Initial consultation

• Plan review & enrollment meeting

Life Insurance Planning

What this involves:

• Needs analysis based on income, family, and obligations

• Comparison of term and permanent coverage options

• Carrier selection and application support

Meetings:

• Needs analysis meeting

• Policy review and implementation

What this involves:

• Income protection analysis

• Short‑term and long‑term disability options

• Occupation definition and benefit structure review

Meetings:

• Risk assessment meeting

• Coverage proposal and implementation

Disability Insurance Planning

What this involves:

• Discussion of care risks and family impact

• Review of traditional, hybrid, and alternative solutions

• Cost, benefit, and timing considerations

Meetings:

• Planning discussion

• Solution review and implementation

Long‑Term Care & Extended Care Planning

What this involves:

• Group health plan design and carrier comparison

• Dental, vision, disability, and supplemental benefits

• Employer contribution strategy

• Employee communication and enrollment support

Meetings:

• Employer strategy meeting

• Plan selection and rollout meeting

Small Group Health & Employee Benefits

How to Choose the Right Insurance Service for You

Insurance can get complicated quickly. The right place to start depends on what is changing in your life, what you need to protect, and the questions you are trying to answer.

Use this guide to find the service that best fits your situation.

Choose Individual & Family Health Insurance if:

• You don't receive health insurance through an employer

• You're self-employed, between jobs, or retiring before Medicare

• Your current health insurance has become too expensive

• You want to compare ACA Marketplace plans and available subsidies

• You need to make sure your doctors, hospitals, and prescriptions are covered

• You've recently moved, married, divorced, had a child, or experienced another qualifying life event

We can help you compare available plans, understand the tradeoffs, and choose coverage based on more than just the monthly premium.

Choose Medicare Guidance if:

• You're approaching age 65

• You're leaving employer coverage and moving onto Medicare

• You aren't sure how Medicare Parts A, B, C, and D work together

• You want to compare Original Medicare, Medicare Advantage, and Medicare Supplement options

• You need help reviewing prescription drug coverage

• You already have Medicare but want to review your coverage

We help make Medicare easier to understand by looking at your healthcare needs, doctors, prescriptions, costs, and coverage preferences.

Choose Small Business & Employee Benefits if:

• You own a business and employ other people

• You're considering offering health insurance for the first time

• Your current employee benefits have become too expensive

• You want to improve benefits to attract or retain employees

• You need help comparing group health, dental, vision, life, or disability benefits

• You want someone to help explain the benefits to your employees

We can help business owners compare benefit options, understand the costs, and build a benefits package that makes sense for both the company and its employees.

Choose Life Insurance Planning if:

• Someone depends on your income

• You have children or other family members you want to protect

• You recently married, bought a home, or took on significant debt

• You own a business and need to protect partners, employees, or family members

• You're unsure how much life insurance you actually need

• You have an older policy and want a second opinion

We can help you determine how much coverage may be appropriate, compare different types of life insurance, and understand what you're paying for before you buy.

Choose Disability Insurance if:

• Your income is one of your most valuable financial assets

• Your family depends on your paycheck

• You're self-employed or don't have adequate disability coverage through work

• Your occupation would make it difficult to earn the same income after an illness or injury

• You want to understand the difference between short-term and long-term disability coverage

Disability insurance can help replace part of your income when an illness or injury prevents you from working. We can help you evaluate how much protection you already have and where gaps may exist.

Choose Long-Term Care Planning if:

• You're thinking about how future care costs could affect your retirement

• You want to reduce the financial burden future care could place on your family

• You're concerned about paying for assisted living, nursing care, or care at home

• You want to understand traditional long-term care insurance and other available strategies

• You're approaching retirement and want to address this risk while you still have options

Long-term care planning isn't just about buying insurance. We can help you understand the potential risk, available ways to address it, and whether coverage makes sense for your financial situation.

Not Sure Where to Start?

That's okay. You don't need to know which type of insurance you need before talking with us.

Tell us what's going on, what you're concerned about, and what you're trying to accomplish. We'll help you identify the right place to start—and if a service or solution isn't a good fit, we'll tell you that too.

Our Battle Born Promise

We explain your choices clearly.
We identify important costs, limitations, and tradeoffs.
We make recommendations based on the information you provide.
We tell you when another professional or solution may be a better fit.
And we care about what happens after the decision is made.

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