We are committed to advising people in finding high quality insurance coverage that is affordable for you and your family, your business or nonprofit.. We are here to design and customize the right plan based upon your unique circumstances.
Buying insurance has always been a time-consuming process. In many cases it is a necessary liability that we take on to protect our employees and families or other things that are important to us. In most cases we do not enjoy the shopping it entails whether it’s for our personal or business needs.
Not only do we need to understand the market, the options, the underlying benefits and the pricing, which is difficult enough for professionals to stay current on, it can take what little free-time we have. Hence, consumers often turn to professionals for help.
This is where we come in. We work with clients broadly speaking in the following areas of insurance:
• Individual and Family Plans
• Group Insurance (emphasis is in the small group market)
• Senior Market Plans
o Medicare Supplement o Medicare Advantage o Prescription Drug
Whether you are an individual under sixty-five, over sixty-five or group, a common occurrence is that each year we are presented with a new open enrollment cycle. As we all have experienced during this period the market, products, carriers and / or pricing has changed. Changes that often mean more time-consuming research and often more out-of-pocket costs for us or our business.
As insurance specialist, we have helped our clients manage these cycles year-after year. Further, our knowledge and experience in each of these markets allow us to identify options and strategies for our clients that may offer significant savings or other benefits.
We have seen this play out time after time.
For groups, our process allows business owners and their employees to stay focused on the business, knowing our team is helping to manage the hires and terminations, educating employees on benefits, soliciting and evaluating quotes during open enrollment and managing the enrollment process.
Please check out our website to get a quote or give us a call to share your situation with us.
We represent all the major carriers and our team is committed to helping you or your company find insurance coverage that is appropriate and affordable for you.
We help clear up complicated issues around understanding insurance
Trying to research health or life insurance on the internet can be a real challenge. There’s a lot of conflicting information out there, and some of the information you may find is potentially, out-of-date, could be dense, full of insider jargon, and hard to understand.
It’s important to recognize that:
Our goal is to be your guide through seeing through the fine print, to cut through the red tape, and helping our clients see and truly understand all of their available options.
We get specific in our thinking and believe there is a plan out there that’s right for everyone, and we’ll do what it takes to design and customize the best possible health and life insurance portfolio for your one-of-a-kind needs.
We Listen and Respond
We will be your ally, your advocate and your main point of contact when:
Our desire is to have results-orientated solutions for all of your unique policy needs and be confident for all things health and life insurance related.
Ready to see us in action? Don’t hesitate to reach out today to set up a conversation!
We’re always available by phone or email whenever you need us!
GET AN INSURANCE QUOTE!
WHAT IS MEDICAL INSURANCE?
Medical (or health) insurance is a type of insurance coverage that covers the cost of an insured individual's medical preventative and surgical expenses. Depending on the type of medical insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider.
WHY MEDICAL COVERAGE?
Even if you are in good health, having medical insurance is important. You never know when you or your family member will get sick or hurt. The cost of basic care can quickly add up, but the cost for a major illness or injury can be devastating. Having good medical insurance provides you with an affordable way to get health care whenever you need it.
It's also the law. The affordable care act requires that most people have health insurance. If you don't have it, you may have to pay a penalty. If you think you can't afford it, you may be able to get help paying for it based on your household size and income.
BE PREPARED TODAY!
We are insurance specialists and our mission is to make choosing a health insurance plan simple for you, your family, your company or your non-profit.
The ever changing health insurance market can be confusing and not all health insurance plans are the same. We understand the unique needs of each of our clients and use every tool at our disposal to make sure your medical costs are minimized and coverage is at its peak.
At HFS, we provide professional advice and guidance. We outline the process every step of the way to highlight the value of your plan. Your specialist will be your main point of contact for any coverage questions you have for the life of your plan. Let us do the heavy lifting.
We are here to help. With many satisfied clients, we know the right solutions that can save you time, money, and help give you peace of mind so you can get on with your life.
* Note: If the software doesn't support your location, please call our offices at (888) 999-8099 and we will help you receive quotes of all major companies.