No charges whatsoever! Think of us as intermediaries connecting clients with the insurance company that aligns with their requirements. If a successful match is established and both parties are content, the insurance company compensates us for advocating on your behalf.

Certainly not! We're typically available to assist you throughout the year, irrespective of the typical open enrollment periods you might be familiar with.

We strive to not only streamline but also make the process of obtaining an insurance quote pleasant and uncomplicated. Click the "Contact Us" button below to arrange a consultation without any obligation, where we can discuss your needs and options. Our Health Advisors are available to help you determine the coverage that aligns best with your requirements and budget. Upon receiving your request, we'll promptly reach out to confirm your free appointment.

We're proud to offer coverage to customers across most of the continental United States. The particular plans we specialize in are currently available in 36 out of the 48 lower states.

Although it's true that many states don't provide PPO plans through the government or ACA Marketplace, most offer private PPOs from reputable industry leaders. However, deviating from federal and state plans necessitates careful consideration of the reliability of alternative options. During your consultation, the Healthcare Heinsman team of agents will simplify and explain the distinctions to ensure you make an informed decision.

With a focus on cost reduction, our proficient team is committed to offering economical solutions for individuals, small businesses, and households. Our extensive healthcare coverage encompasses Health, Dental, Vision, and Simple Accident coverage, customized to suit the requirements of individuals and groups alike.

Upon leaving a company, the former employee typically has the option to utilize COBRA for 18 months, retaining the same plan they had during their employment. New insurance cards are not issued, and the deductible remains unchanged. However, the significant distinction is that the former employee now bears the full responsibility for the entire payment without the company's subsidy. Previously, the employer often covered at least 50% of the employee's insurance payment, sometimes extending assistance to family payments.We recommend considering COBRA if you are currently undergoing treatment or have already met your yearly deductible. In situations where only one family member requires ongoing treatment, maintaining COBRA coverage solely for that individual is often the most cost-effective choice. Drawbacks include the typically high cost and the limited duration of one and a half years. For those in good health, we can often devise a comparable plan at a more competitive price without an expiration date.