When Do You Need Us?


  • You are going through a transition that affects coverage: moving, COBRA expiring, retirement, divorce, or death of a spouse.  
  • You or members of your family need help with their coverage and paperwork. 
  • You are about to turn 65 and need to understand Medicare or your have employees about to turn 65 or retire who need to understand Medicare.
  • You are a business owner or executive who wants an independent, unbiased review of the healthcare coverage in place.

You want access to professionals who have the answers to questions about healthcare coverage such as:

  • If I lose group benefits, what are the options and how do I decide which is best?  
  • What types of penalties might result from not following the plans pre-authorization requirements?
  • My retiree coverage is costing more and covering less, is it worth keeping?
  • Do I or do my employees have adequate travel insurance protection when traveling outside the United States?
  • How is the Affordable Care Act affecting me and/or my company?
  • What can my company do to prepare for other provisions implemented in the Affordable Care Act?
  • Do I or employees in my company need to enroll in Medicare before turning 65?