Your health needs aren’t “one-size-fits-all.”
Your insurance plan shouldn’t be either.
Have you been asking yourself:
Where do I even start?
How do I know what coverage I actually need?
Will cheap health insurance be enough?
Do I have to give up my favorite doctor for a better plan?
How can I afford the coverage I need?
Hi, I’m Kristin.
Founder and Health Insurance Broker
I understand how difficult shopping for insurance can be. It’s overwhelming to try to figure it out all on your own, but that’s why I’m here to help.
For the last 6 years, I’ve served over 500+ clients in 10 states with personalized health care coverage at a price they can get behind.
Here’s what you can count on
I’m not tied to one insurance company.
I’m not an agent. I’m a broker – that means I get to shop around and truly find you the best option instead of selling off-the-shelf solutions that don’t fit your needs.
Everything I do is free.
You’ll save hours sorting through your options – and you won’t have to pay me a dime for doing all the heavy lifting for you.
"I had no idea how to navigate health insurance. Kristin listened to my situation and found the best fit for me. She didn't try to sell me something I didn't need."
Only Pay for the Coverage You Need
and Not a Penny More
1. We talk.
Schedule a call and we’ll talk about your needs. The better picture I get of your current health, the better coverage I can find you.
2. I shop.
I sort through the thousands of options and find you the best for your individual circumstances.
3. You’re covered.
Sign the papers and have quality health coverage as soon as the very next day.
How much is this going to cost?The cost of your plan depends on your needs, but I don’t cost you a thing.
What is a deductible?The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself. After you pay your deductible, you usually pay only a copayment or coinsurance for covered services. Your insurance company pays the rest.
What is a PPO?A PPO (Preferred Provider Organization is A type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. You pay less if you use providers that belong to the plan’s network. You can use doctors, hospitals, and providers outside of the network for an additional cost..
Who do you write policies for?I am able to pull frin multiple carriers for life, vision, health, dental, etc.
How do out-of-pocket maximums work?The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits.
What is PCP?A Primary Care Physician (PCP), is a doctor/physician that practices general medicine. A PCP is, in most cases, considered a family doctor who addresses general health issues. The job of a PCP is to stand as the first point of contact for any of its patient’s health issues.
What is co-insurance?The percentage of costs of a covered health care service you pay (20%, for example) after you've paid your deductible.
What is an HMO?HMO (Health Maintenance Organization) A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won't cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.
What is a Special Enrollment Period?A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child, or if your household income is below a certain amount. Job-based plans must provide a Special Enrollment Period of at least 30 days.