Since we've been in business for 40 years, we are extremely qualified when it comes to protecting your most precious assets: your health, your life and your finances. We have plenty of success stories involving multi-generational families as well as small and large businesses we've worked with in Iowa. Call us today and know that your personal information and our conversation will be handled with the utmost respect and confidentiality.
And when you do call, a live person will answer the phone, not some machine. I was raised in West Des Moines and the first job that I had was with Blue Cross and Blue Shield of Iowa. I worked in several departments including Medicare Compliance and Claims. Little did I know at that time that I would end up in the health insurance business owning my own agency.
I have witnessed immense change in the industry over the span of 40 years. I am continually broadening my knowledge base through the Kelley Insurance Center at Drake University. I also attend many workshops and continuing education programs offered through other respected institutions.
And when you do call, a live person will answer the phone, not some machine. I was raised in West Des Moines and the first job that I had was with Blue Cross and Blue Shield of Iowa. I worked in several departments including Medicare Compliance and Claims. Little did I know at that time that I would end up in the health insurance business owning my own agency.
I have witnessed immense change in the industry over the span of 40 years. I am continually broadening my knowledge base through the Kelley Insurance Center at Drake University. I also attend many workshops and continuing education programs offered through other respected institutions.
Services
There are many provisions under each calendar year and there are many definitions of some of the terminology being used that are confusing to folks not in the health insurance business.
Please note: it's easy to be confused between health insurance and health care.
I'm providing a link to an explanation of the ACA provided by Wellmark which I feel is an easy read and would give you a general understanding of this law.
Please note: it's easy to be confused between health insurance and health care.
I'm providing a link to an explanation of the ACA provided by Wellmark which I feel is an easy read and would give you a general understanding of this law.
These fall into 10 categories.
I have a link to Wellmark's information that I felt best explained and described these EHBs.
One of those is "search for an SBC" (summary of benefits and coverage).
If you are a Wellmark policy holder, you can look up your benefits in an easily-formatted manner for your reference.
The second tab "See The Uniform Glossary of Benefits" will help you better understand definitions of some of the terms used.
The third tab is called "Coverage Exclusions".
It's nice to know what's covered, but it's also very important to know what's not covered.
I have a link to Wellmark's information that I felt best explained and described these EHBs.
One of those is "search for an SBC" (summary of benefits and coverage).
If you are a Wellmark policy holder, you can look up your benefits in an easily-formatted manner for your reference.
The second tab "See The Uniform Glossary of Benefits" will help you better understand definitions of some of the terms used.
The third tab is called "Coverage Exclusions".
It's nice to know what's covered, but it's also very important to know what's not covered.
A MedicareBlue Supplement plan, which helps with deductibles, copayments and coinsurance, can offer you stability and security.
Our historically predictable premiums can help you plan for future costs while helping to protect you from unexpected, high medical expenses.
And with our nationwide network of Medicare-participating hospitals and doctors, you can be confident that you can find affordable care wherever you go.
Our historically predictable premiums can help you plan for future costs while helping to protect you from unexpected, high medical expenses.
And with our nationwide network of Medicare-participating hospitals and doctors, you can be confident that you can find affordable care wherever you go.
There are many choices available for large businesses.
As an example, I have illustrated Wellmark's plan options.
We represent many insurance carriers being an "independent agent" so we can assess your needs and do your shopping for you.
It is imperative for you to have the proper "fit" for your employee's benefits and budgets to attract and retain a quality workforce.
As an example, I have illustrated Wellmark's plan options.
We represent many insurance carriers being an "independent agent" so we can assess your needs and do your shopping for you.
It is imperative for you to have the proper "fit" for your employee's benefits and budgets to attract and retain a quality workforce.
Dental insurance can be provided through employer based group benefits or purchased individually.
The individual plan that we particularly like is through Delta Dental.
However, we are an "independent agent" allowing us to shop for you.
If you're an Iowa resident and can answer "YES" to any of the statements below, we're confident you'll find the right protection and assurance you want from our Preferred Choice or Preventive plan options.
Premier - 90% of the dentists in Iowa and higher out-of-pocket costs than going to a PPO dentist.
The individual plan that we particularly like is through Delta Dental.
However, we are an "independent agent" allowing us to shop for you.
If you're an Iowa resident and can answer "YES" to any of the statements below, we're confident you'll find the right protection and assurance you want from our Preferred Choice or Preventive plan options.
Premier - 90% of the dentists in Iowa and higher out-of-pocket costs than going to a PPO dentist.
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