Business Details
50+ Years
experience
Your Trusted Insurance Partner in Troy, OH
Founded in 1972 by John J. Dugan as a one-person agency in Troy, Ohio, we have grown into one of the region's largest health insurance and employee benefits agencies serving the Dayton area and beyond. Our brokers average more than 25 years of experience in the insurance industry, specializing in group health insurance, individual health insurance, Medicare plans, compliance services, and innovative solutions like self-funding and level-funding. We differentiate ourselves from traditional brokerages by maintaining direct, long-term relationships where the broker who sells your plan also services your account. Our team conducts employee meetings, manages eligibility for Medicare/Medicaid/exchange programs, and collaborates with HR managers during renewal processes.We serve businesses of all sizes - from small companies with 2-50 employees to large corporations with 100+ employees - across Ohio and Kentucky. Our commitment to personalized service extends to individuals seeking coverage through Affordable Care Act plans, Short-Term policies, or Ministry Sharing programs. With decades of experience navigating healthcare reforms and complex insurance markets, we focus on minimizing costs while maximizing coverage effectiveness for both businesses and individuals.
Services
Group Health Insurance
Individual Health Insurance
Medicare Plans
Employee Benefits
Compliance Services
Dental Insurance
Vision Insurance
Self-Funded Plans
Level-Funded Plans
Telemedicine Services
Details
- Year established: 1972
Highlights and features
- Our brokers average more than 25 years of experience in employee benefits
- The broker who sells your plan also services your account
- Specialized compliance services for healthcare reform requirements
- Offer all major insurance carriers in Ohio including Anthem and United Healthcare
- Serve businesses from 2-50 employees through large corporations with 100+ employees
What people say
Knowledgeable brokers
Professional and helpful
Thorough and professional
Exceptional service
Best option for insurance
Services
Group Health Insurance
We provide comprehensive group health insurance solutions for businesses of all sizes. Our experienced brokers help companies select plans that balance employee needs with cost-effectiveness. With expertise in traditional plans and innovative options like self-funding and level-funding, we ensure proper coverage while managing premium costs. Our service includes employee meetings, eligibility management for Medicare/Medicaid/exchange programs, and renewal process support.
Individual Health Insurance
We offer personalized health insurance solutions for individuals and families. Our specialists help clients navigate Affordable Care Act plans, Short-Term policies, and Ministry Sharing programs. Using anonymous quoting systems, we maintain client privacy while finding appropriate coverage. We also provide dental and vision insurance options to protect families from unexpected medical costs.
Medicare Plans
We specialize in Medicare solutions including Supplement, Advantage, and Part D Prescription Plans. Our brokers provide face-to-face or phone consultations to explain options clearly. We help clients in Urbana, OH and surrounding areas understand their coverage choices and select plans that provide necessary protection while maintaining affordability.
Compliance Services
We provide expert guidance on healthcare compliance requirements and reform regulations. Our services include Formfire assistance, claims inquiries, and provider network information. We help businesses stay current with changing regulations while maintaining proper documentation and reporting standards.
Employee Benefits
We offer comprehensive employee benefits solutions beyond traditional insurance. Our services include incentive-wellness programs, MEWAs, and captive insurance arrangements. We help businesses attract and retain talent through competitive benefits packages while managing overall cost structures effectively.
People
Michael Dugan
V.P. Sales, Small Group Broker
With over 25 years of experience, Michael Dugan specializes in small group insurance solutions. He maintains direct client relationships from plan selection through ongoing service, earning recognition for his professional approach and commitment to finding cost-effective coverage options.
Brian Dugan
President, Group Broker
As President and Group Broker, Brian Dugan leads our team of experienced professionals. He focuses on strategic counsel for businesses seeking comprehensive health insurance and employee benefits solutions across Ohio and Kentucky.
Ryan Dugan
Kentucky Individual and Medicare Broker
Ryan Dugan specializes in individual and Medicare insurance solutions for Kentucky residents. He provides personalized guidance to help clients navigate healthcare options and select appropriate coverage for their specific needs.
Randy Peters
Compliance Director / Medicare Broker
Randy Peters combines compliance expertise with Medicare insurance knowledge. He helps clients understand regulatory requirements while providing personalized senior coverage solutions that balance protection and affordability.
Lindsay Brown
Individual Health Insurance Broker
Lindsay Brown specializes in individual health insurance solutions. She assists clients with finding appropriate coverage through various plan types while maintaining a focus on personalized service and client education.
Questions
What types of health insurance do you offer?
We offer group health insurance, individual health insurance, Medicare plans, dental insurance, vision insurance, self-funded plans, and level-funded plans.
How are you different from other insurance brokers?
We maintain direct relationships where the broker who sells your plan also services your account, providing continuity and personalized support.
Do you help with compliance requirements?
Yes, we provide compliance services including healthcare reform guidance, Formfire assistance, and regulatory documentation support.
What areas do you serve?
We serve all of Ohio and Kentucky, including Troy, Piqua, Tipp City, Dayton, Columbus, Louisville, and Lexington.
Do you offer Medicare plan assistance?
Yes, we provide comprehensive Medicare solutions including Supplement, Advantage, and Part D Prescription Plans with personalized consultations.
