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Family Owned and Operated Broker Specialist & Plan Advisor

Welcome to

Insurance Goddess

This is the place you can come to inquire ABOUT anything healthcare. There is a plethora of medical product options on the healthcare market exchange that are designed to save you money. I can advise you on how. Come in and learn how to shop for healthcare coverage with an experienced and licensed LIFE and HEALTHCARE insurance advisor that will go over and beyond to find answers.

I want to further the cause of helping consumers of healthcare understand and take advantage of the benefits health coverage offers you. I can help you sort it all out. I would like to talk to you about your healthcare goals, so that I can seek the right plan that is designed and tailored to your specific medical needs.

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Healthcare Goals

Personal Healthcare Goals

I would like to talk to you about your healthcare goals, so that I can seek the right plan that is designed and tailored to your specific medical needs. You have options. There are products that cover the uncertainties we don’t see coming. We simply bundle with supportive products that’s designed to protect you and your loved ones from the unknowns life throws our way.

We all should want to assure we protect our assets from any out-of-pocket exposure an emergency, accident, illness, or injury you are exposed to as a result. Out of pocket exposure comes in the form of deductibles, coinsurance, and maximum out of pocket amounts. These products will help you pay those amounts along with everyday expenses like mortgage/rent, utilities, childcare, lost income from missed work due to an illness, based on your chosen supplemental benefit amount. The goal is to mirror your deductible or maximum out of pocket exposure.

Affordability and Doctors

Affordability

Affordability is a big component. Since the ACA plans will be subsidized by both State and Federal Government, you will see increased savings on every income level. The subsidy cliff has been eliminated so that every household income can qualify to apply, not paying over 8.5% of your household’s income. The subsidies are based on household income and household size. I can provide a visual of what that would look like based on your projected 2022 household income.

health insurance affordability
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Doctors

As a broker, I understand the challenges facing losing Dr’s you have built a relationship with for many years and having to change insurance carriers and finding out those doctors are out of network. Finding your doctors is imperative and having access to the providers you have built a reputation with is very important to your healtcare goals. Let’s look to see who is in the network(s) of your choice. Rather it be carriers that are on the marketplace health exchange or limited duration plans purchased year-round.

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