Kast Health Insurance Agency
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We understand that your health and insurance are too important to trust to just anyone. As local agents, we know our companies and community so you can have confidence in your coverage. I've been with Kast Health Insurance for 2 years now. Margot is so personable and informative in helping me make the right health insurance choice to suit my needs.

I'm the type of person that likes to do things herself but I willfully let her work for me and it was the best decision I made. Thank you Margot for helping me with my insurance needs! Would not have been so easy without you! Prompt, professional, local and easy to work with. Highly recommend for anyone without health insurance for their first and I suspect last contact.

After my experience with a national firm, Kast Health Insurance Agency was a breath of fresh air! Kast Health Insurance is amazing! Margo was informed and up to date on all of my insurance needs. Margo has gone above and beyond in helping my family with obtaining our insurance.
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Margot Kast started as a health insurance underwriter in Roseland, NJ at The Prudential.
Later she worked in the financial industry and became a health insurance agent in 2002.
She and her husband, Thom, bought a property and casualty agency in 2005, Kast Insurance.
They quickly became known for their educated approach to the increasingly challenging market of health insurance.
Margot became appointed with all of the major health insurance providers including Assurant, Humana, United Healthcare, Cigna, Aetna, and Florida Blue.
We proudly offer Under 65 Health Insurance plans, so you can have the confidence you will be covered even if you have pre-existing conditions and need expensive prescription drugs.
These plans are Affordable Care Act Compliant and are often referred to as Obamacare.
There is no such thing (yet) as a full medical insurance plan this is not Affordable Care Act Compliant.
To enroll in full health insurance plans you must sign up during Open Enrollment or qualify for a Special Enrollment Period to sign up at any time of year.
The most crucial decision you will likely make is whether to go Medicare Advantage or stick with Traditional Medicare when you turn 65.
When comparing, Traditional Medicare only makes sense if you get a Supplement and Part D so that is the best way to compare.
What does Traditional Medicare Cost?
This can differ per person and depends upon your income and which type of plan you choose.
Many people are surprised to find out that wealthier people may much more for Medicare.
The equation is Part A + B + D + IRMAA adjustments for B, D + Premium for Supplement + Premium for Part D= Total Cost.
With Medi-Share, there's an option for every budget.
Each family selects an Annual Household Portion (AHP), which is the amount that must be met before their Eligible Medical Bills are shareable.
The AHP is one amount for the whole family for the entire program year.
Medi-Share is a healthcare sharing ministry founded on the belief that there is a BETTER way. a Biblical way, to take care of your healthcare.
A way that focuses on people, NOT profit.
A way that inspires you to live a healthier lifestyle so you can fulfill the plan God has for you.
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