We work with you and your family members to provide personalized, objective advice regarding healthcare coverage alternatives and options which address your concerns.

Many life's events like leaving a job, retirement, moving or becoming eligible for Medicare affect healthcare coverage. Other transitions like college graduation, divorce or death of a spouse also affect healthcare coverage.
These transitions raise questions which must be addressed, such as:

• If I lose group benefits, is coverage through COBRA my best option?
  
  
• What other options besides COBRA are available and what should be considered after COBRA?
  
  
• Can my family obtain individual insurance and what product is best for our needs?
  
  
• Can I keep my group coverage rather than enroll in Medicare?
  
  
• Can I obtain coverage with a high or unlimited lifetime maximum?
  
  
• If my child has seen a psychiatrist or psychologist, will that be considered a pre-existing condition and prevent him/her from getting good coverage?
  
  
• What are my options if my company eliminates retiree medical benefits?
  
  
• My company has eliminated survivor benefits. What options does my spouse have should I predecease him/her?
  
  
• I want to move my elderly mother closer to me. Will the move affect her coverage?