11 carriers.
5 PPO networks.
A carrier underwrites your policy and pays your claims. A PPO network is the list of doctors and hospitals a plan gives you access to. Most sites blur those together. Below they’re separate, because when you ask “is my doctor covered?” you’re asking about the network.
Carriers
11
Health, life, and supplemental
PPO networks
5
Each one has a doctor lookup below
Marketplace plans
I help you enroll — through healthcare.gov or HealthSherpa — in FL, MI, NC, AZ, TX, IN, and SC; in Georgia, you enroll yourself at Georgia Access. I’m not appointed with the marketplace carriers. Appointed means a company has contracted me to sell its plans, and marketplace coverage doesn’t work that way.
Grouped by what they cover.
Not by tier, ranking, or partnership level. What matters to you is which line a carrier covers and how I can get you to it.
Deciding between the big three? How Aetna, Cigna and UnitedHealthcare actually differ, and how to check each against your own doctors.
ACA marketplace
I help you enroll through healthcare.gov and HealthSherpa in FL, MI, NC, AZ, TX, IN, and SC; in Georgia, you enroll yourself at Georgia Access. I am not appointed with the marketplace carriers.
Blue Cross Blue Shield
UnitedHealthcare
Private health, medically underwritten
Appointed with each carrier except UnitedHealthcare, where my appointment isn't active. Appointed means the company has contracted me to sell its plans, and I hold those contracts through Best Insurance Group, the agency I contract under. These plans are medically underwritten, and each one runs on a PPO network.
Philadelphia American Life
Runs on
First Health PPO
MedMutual Protect
Runs on
First Health PPO
SGIC
Runs on
First Health PPO and MultiPlan PPO — both networks
Allstate Health Solutions
Runs on
Aetna PPO or Cigna PPO — varies by state
UnitedHealthcare
Runs on
UnitedHealthcare PPO
Life
Appointed with each carrier.
Mutual of Omaha
Children's life insurance
Illinois Mutual
Term, including 30-year
Americo
Simplified issue, where underwriting is the obstacle
Supplemental
Appointed with each carrier.
Aflac
Combined Insurance Company of America
Adult life coverage — how much, and for how long — is a budget conversation, not a number I can set for you from a web page. That one we work out together.
The PPO networks behind the private plans
Each of these is a provider network attached to one of the private health plans above — not a carrier, and not a separate company I place coverage with. Look yours up before you enroll.
First Health PPO
A provider network, not an insurance carrier. It doesn't underwrite policies or pay claims — it determines which doctors and hospitals count as in-network on the plans that use it.
MultiPlan PPO
A provider network, not an insurance carrier. MultiPlan is owned by Claritev. It doesn't underwrite policies or pay claims — it determines which doctors and hospitals count as in-network on the plans that use it.
Aetna PPO
A provider network, not an insurance carrier. It doesn't underwrite policies or pay claims — it determines which doctors and hospitals count as in-network on the plans that use it.
Cigna PPO
A provider network, not an insurance carrier. It doesn't underwrite policies or pay claims — it determines which doctors and hospitals count as in-network on the plans that use it.
UnitedHealthcare PPO
A provider network, not an insurance carrier. It doesn't underwrite policies or pay claims — it determines which doctors and hospitals count as in-network on the plans that use it.
You deal with me.
Start to finish.
Here's what that actually means, so you know what you're getting into before you book anything.
No
call center.
You won't be handed off to someone reading from a script. You talk to me, and I'm the one who knows your name, your household, and what's actually on your policy.
We look at your coverage together.
On the call I'll pull up what you have now and go through your options with you, rather than leaving you to work through a PDF on your own. Ask me anything while we're on the phone.
You don't pay me.
The insurance company pays me a commission when you enroll. That's how I get paid. You don't pay me a fee.
What to expect from me.
I'm one licensed broker, and you'll deal with me start to finish.
What I tell you on the phone is what you're reading here.
Staying put is an option
no is a real answer
If the plan you already have is the better one, I'll tell you so and you'll keep it. I'd rather say that than move you into something you didn't need.
I'll say it plainly
no jargon
Deductible, network, subsidy - I'll tell you what each one means for your money before I use the word again. If something doesn't land, say so and I'll put it another way. You should finish the call knowing what you're buying and why.
Health and life only
the whole list
That's what I'm licensed for, and it's all I sell. Ask me about your car or your house and I'll tell you straight that I'm not the right person for it. You can look up my license before you ever talk to me.