Our 75 years of combined experience help you access, understand and navigate the insurance system: health and life, Medicare and all related products such as supplements and Part D prescription drug coverage, employer group insurance including retiree coverage, Medicaid, prescription, long-term care, and disability.
A licensed individual who does not sell financial or insurance products and is trained, knowledgeable, and able to identify insurance coverage problems or help individuals avoid pitfalls, review policies including health, prescription, life, disability, and long-term care coverage, fight denied claims, reconcile explanation of benefits, and troubleshoot insurance coverage issues/concerns.
No. We receive no commissions or finders fees from insurance companies or related entities, and can offer clients unbiased information to help them make knowledgeable, informed decisions about their coverage or options.
Yes. Not all states have licensed insurance consultants. Licensed insurance consultants in Wyoming are required to obtain and report to the insurance department that they have 24 continuing education credits in specific areas approved by the insurance department. Our staff also belong to organizations like NAIFA (National Association of Insurance & Financial Advisors) who require members to educate themselves and uphold a code of ethics to remain as active members.
As licensed insurance consultants, we offer unbiased, objective services to help our clients plan for and determine what related insurance products and services they need and want including:
Health and Life Insurance: Medicare, Retiree, Employer Group, Individual, Dental, Vision, Hearing, Prescription, International Travel
Prescription: Medicare Part D, Employer Group and Individual, coverage restrictions, financial assistance
Long Term Care: Annual policy reviews, coverage and premium considerations, claim filing and appeals, using benefits to transition to next levels of care, etc.
Disability: Medicare short/long term, filing for Social Security benefits, claims and appeals, Medicaid
New to Medicare: Considering options-enrollment process, late enrollment penalties, cost/benefit analysis, Medicare supplements, secondary insurance, prescription coverage, maximizing coverage/minimizing cost
Claims: Filing claims for benefits, appealing denied claims, reviewing explanation of benefits, reconciling claims and coverage, patient and provider support