Expert health insurance advice. Tailored to you. Click here to schedule an appointment
Shopping for health coverage can be overwhelming. A licensed health advisor can help you determine which plans may be the best fit for you, your family, or your small business. Many medical plans can also be bundled with options like dental, vision, short-term disability, or even life insurance, to help ensure you have well-rounded benefits that cover all of your needs. If a full-term medical plan isn’t within the budget right now, you may want catastrophic protection for protection in the event of an emergency.
Available Options
-
Comprehensive health plans for yourself only. These can be more focused toward preventative coverage and catastrophic care, or can include popular benefits such as doctors visits, prescription coverage, and more.
-
Comprehensive health plans for you, your spouse, and any eligible dependents. These can be more focused toward preventative coverage and catastrophic care, or can include popular benefits such as doctors visits, prescription coverage, and more.
-
Comprehensive health plans for both you and your staff, specifically for businesses with less than 50 total employees. These can be more focused toward preventative coverage and catastrophic care, or can include popular benefits such as doctors visits, prescription coverage, and more.
-
Dental & vision coverage can be stand-alone, or they can be bundled in with a health plan to save you money
-
These are usually bundled in with health plans to help you save money
-
Some options can be bundled in with your health plan to save you money
-
These are your “just in case” plans - they generally don’t have benefits for things like doctors visits and prescriptions, but will protect you in an emergency
-
The amount you pay for covered health care services before your insurance plan kicks in. Many plans offer select benefits before meeting your deductible.
-
Explains the percentage of what your insurance plans pays vs. what you pay, after you've met your deductible.
-
The cap on the highest amount you will personally have to pay for covered services in a policy year.
Terms to Know:
Underwritten and approval-based plans that not everyone will qualify for. These options can lead to reduced premium rates on your overall monthly cost and include dynamic benefits not available on other networks.
Underwritten Plans
-
This depends on several factors including prescription history, surgical and hospitalization records, height-to-weight ratios and more.
-
No. Since these plans do not fall under the parameters of the Affordable Care Act, you will not need to turn in proof of income.
-
There are two main types of health coverage…. those that are underwritten, and those that are not. If your application for an underwritten plan is not approved, you could explore options that will not be restricted based on preexisting conditions.
Coverage for any individual who applies for it, regardless of their current health status or pre-existing conditions.
Guaranteed To Issue Plans
-
Corporate insurance plans through a company or business, Medicare, and the Affordable Care Act (Obamacare) plans are examples of plans that are not medically underwritten, and there therefore, guaranteed to issue.
-
Life gets busy and open enrollment through the government marketplace or a job can be easily missed. Luckily, there are alternate options to consider.
-
Depending on the network and benefits you choose, some plans can begin immediately. If you are looking for immediate coverage and do not have time to undergo an underwriting process, you can typically be covered the same day or next.
Shopping for health insurance does not need to be stressful.
I am passionate about helping individuals and families find the right healthcare plan that fits their specific needs and budget. I understand that navigating the healthcare system can be overwhelming and confusing, which is why I am dedicated to providing personalized service and guidance to my clients. Whether you are looking for a plan for yourself, your family, or your small business, I will work with you to find a plan that meets your unique needs and provides the coverage you need at a price you can afford.
- Jennifer Rose Schatte
-
![]()
“I highly recommend Jen for anyone in need of assistance with health insurance. She goes above and beyond to ensure her clients are satisfied and have the coverage they need.”
Latrice S. in Maryland
-
![]()
"....she was able to recommend a variety and explain pros & cons of each options, which make it easy for us to make an informed decision. "
Jorge F. in Oklahoma
-
![]()
Jen was extremely knowledgeable as well as simple to understand and took the time to truly understand our needs. Plus, we went from an 18k family deductible to a $0, and our monthly cost decreased. Unreal.
Mary G. in Florida
-
![]()
I'm self-employed and just wanted clear and concise advise on my options. I don't go to to the doctor that much but wanted good benefits in case of an emergency. Short, sweet, to the point.
Kenneth Y. in GA
-
![]()
"...in a tough spot recently losing my job & she helped us find coverage to cover the kids and give a little peace of mind. When I got my new offer, their benefits were... pretty terrible. Actually started sending colleagues her way and she was able to help them as well. Thanks so much Jenn!
Skylar P. in Utah
