It's always been my core value to put ethical behavior before any opportunity to make money. I promise to never sell you a product you clearly don't need.  I promise to always do my best to explain things as thoroughly as possible.  I promise to give my best to you on an on-going basis, and build a relationship that will go the distance.  I have an excellent track record in my life long career and it's because I hold true to high standards in conducting business.

Unfortunately that's not possible. I'm self-employed and work out of my home office. I'm happy to meet with you where you feel comfortable; around your dining room table, at your office building, or at a coffee shop.

Please reach out to me on my contact page. I am notified when your message is received.

Brokers are the bridge - liaison - between you and the insurance company. Depending on your broker's experience and skill in the industry will determine how comprehensive their services will be. I've been working in the health insurance industry since 1979 and have experienced multiple facets both as an employee at an insurance company, and as a broker. To read more of my story and what I can provide for you, please go to my about page to learn more about my history, experience, and qualifications. You may refer to this blog post, also.

I'm available by phone Monday through Friday from 10 AM to 5 PM, and meet with you by appointment only.  If we have a deadline to meet, I'm flexible to get the job done!

There is no obligation at all! I freely gather quotes for various plan options, and deliver the information to you.  This information is typically the springboard you'll need to decide if you want to purchase an individual plan, or initiate a benefit package for your employees. 

Please go here to see important dates, such as open enrollment periods.

Unlike other type of professionals, I do not charge you for  my services.  They are given with no charge to you ever.

When you enroll in a health plan and designate me as your broker, I receive commissions from the health insurance company.  Depending on the type of policy, I might receive a monthly commission, or a renewal commission once each year.  Each carrier determines whether they will pay a specific fee per member, or a percentage of the overall premium received each billing period.

Not at all.  The commission fees are built in the premium, and it does not change when you do, or do not, use the services of a broker.  If you are a large employer group, commission rates might be negotiated and added to your premium.  But, my client base is typically small business owners and that would not apply.

Absolutely, yes! For much of my career, my focus has been assisting small employers in helping them establish new benefit packages for their employees. I'm able to help you with your first questions, to implementing the plans, to providing on-going services for many years. Read more about it here.

Since each group quote is customized for your company, specific information is needed to produce it. To get started, I've provided two forms for you to download, complete, and return to me. 1) Company Information Sheet, and 2) Employee Census Form.  You may fill them out online, and upload them on my secure portal here.

Yes, you may. I'm always happy to directly assist employees with their personal questions. However, there are some questions only your employer can answer; such as things pertaining to payroll deductions, etc.

Unfortunately, no. The Affordable Care Act eliminated the use of medical underwriting, and replaced it with an annual open enrollment period. As of this writing, from November 1st through December 15th, you may shop and enroll in a new medical plan, for a January 1st effective date.  Having said that, there's certain criteria that may allow you to enroll under special circumstances. Please click here for a list of special qualifying events where you may enroll outside of the open enrollment period.

You may apply with a paper application form, or through an online portal.  Please check here to see if the insurance company where you wish to enroll, has an online quoting link.  Ideally, we'll meet and I can personally discuss your plan and enrollment options.

Please go here to see a list of insurance companies I'm appointed with. If you do not see the company you're interested in, please don't let that stop you from contacting me. I'm always looking for ways to meet clients and prospective clients needs.

It's my objective to guide you toward a plan whose provider network includes your preferred doctors and hospitals. The variety of insurance companies I work with accommodate all major local provider networks.

The out of pocket maximum (OOPM) dollar amount represents the total liability you're exposed to each calendar year. This figure is comprised of copays, deductibles, and co-insurances, which are the cost sharing elements of your plan. This is one of the most important components, because it's your maximum liability from January through December. Once your out of pocket maximum is reached, the health plan pays 100% of covered services till the end of the year.

Yes, for sure! Please contact me right away to discuss your situation, and I'll help guide you to your best option. It's important to act within a specific time frame to be eligible for special enrollment periods.

Yes, I've developed skill in communicating health plan options to my clients. Medical insurance is complex and it's terminology can be confusing. I'm here to interpret it for you and help you fully understand what it means. If you have questions; I have answers.

Yes, if a claim or billing issue arises, and you haven't been able to resolve it through your insurance company's customer service, then I'm happy to step in and get the answers you need. Call or email me with details, and I'll find the best person or department to resolve your issue. Let me do the talking for you!