HEALTH INSURANCE

for Groups, Individuals & Families, and Those 65 + Years Young

 

There have been some HUGE changes to the health insurance market in the last few years causing some major confusion for both individuals and businesses.  Let us be your guide to all things ACA compliant to get you and your people into the right, most affordable plan for you!

 

 

Business/Group Health Insurance and Beyond

 

You probably have a lot of questions about two aspects of your group health insurance: compliance and affordability.  At Armstrong Fairway, it's our job to know it all and make the process easy peasy!  

Whether you're 2 or 200 or more, Armstrong Fairway has the know-how to guide you.  Because we partner will all major carriers in group policies, we have the competitive advantage to share the best bang for your buck.  Some small businesses may qualify for SHOP plans through Covered CA, our state exchange.  Contact us today to see if you are eligible.  Click the button below for a quote:

 


It doesn't just stop at medical insurance.  Ancillary, Life, Disability, and Supplemental Coverage can potentially save you and your employees' money and can be a big draw for talent when considering your employment.  Unsure how an HRA, Section 125 or telemedicine works?  You don't have to; that's our job to know and share it with you. 


Partnering with Armstrong Fairway isn't just a quote, it's adding to your team.  Our Benefits Team will stand side-by-side with you and your HR team every step of the way with in-person meetings to explain benefits to your employees, provide and facilitate all tools needed to deliver your plans.  We are there, year-round, for every quarter and every need.  Administrative services such as COBRA, payroll, and other HR services are also available.  Don't hesitate; you have a reliable friend in Armstrong Fairway.  Check out the chart below to see what we can offer:

 

 

 

Medicare Supplemental for 65 +

 

Did you know that just having Medicare parts A & B can leave you with gaps in your coverage?  OH NO!!  Don't let this happen to you.  Make sure you have the right Medicare Supplemental or Medicare Advantage plan in place to have full financial protection.  


Finding the right supplemental coverage can be daunting, but Casey Armstrong, our President and Medicare expert, can assist you with navigating the market to find a plan that fits your lifestyle.  You can schedule an appointment to review your options by contacting our office or attend one of the informational sessions we occasionally host throughout the year.  


You can initially apply for Medicare during a 7-month window surrounding your 65th birthday.  You may also make changes to your current policy during special events or Medicare Open Enrollment.  Contact Casey by phone or email to see how and when she can help or click the quote request button below:

 


Don't forget…. drivers over 65, there is an auto policy perfect for you.  Head over to our auto insurance page for more details.

 

Individual & Family Plans

 

What's a subsidy?  When can I apply? What IS the ACA?


There are so many things to know about Individual and Family health plans these days; it's hard to know where to start when you're on your own.  With Armstrong Fairway, we cut down all the confusion and make getting a policy a clear-cut decision.  Based on your income, you could qualify for a discounted health insurance policy purchased through Covered CA (aka On-Exchange) or without a discount apply directly to a carrier (aka Off-Exchange.) For more information on common ACA questions, click here.


We can help you discover which kind of policy is best for you and your family!  Is that an HSA, HMO, PPO, or EPO?  Visit our Glossary to define these OR call us, and we'll tell you more.


Please note there are restrictions to when you can apply or make changes:

  1. During Open Enrollment, every November through January
  2. During a Qualifying Life Event (click for examples)60 days on either end of the event

Don't go it alone!   Call our office (760) 245-2561, or request a quote below and we will get you on the right track:

 

 

Health Matters

Contact us for a more detailed discussion about your individual or group health insurance needs.

Our agents are available Monday - Friday, from 8:30 am to 5:00 pm.

Please call us at 760-245-2561 to schedule an appointment or email one of our agents directly.

Get covered! Get healthy! Rest easy.

Casey Armstrong
CEO, Medicare Supplemental, Group
Nancy Bernal
Group, Individual & Family, Covered CA