Business Details
We have been serving individuals, families, and businesses in Naples and Southwest Florida for more than 20 years. Our founders, licensed agents Margot and Thom Kast, bring deep underwriting experience and a financialfocused approach to health insurance. We specialize in ACA marketplace plans, Medicare options, and healthsharing programs such as MediShare. Our team conducts thorough plan comparisons across all major carriers to identify the most costeffective solutions. We handle complex eligibility and preexisting condition assessments, ensuring clients avoid coverage gaps and costly errors. All of our services are integrated into plan premiums, so we never charge broker fees or hidden costs.
We maintain 5star office ratings and adhere to strict professional standards, reflecting our commitment to transparency. Our agents provide yearround education, enrollment assistance, and ongoing support at renewal to keep coverage optimal. We have helped thousands of clients secure the right coverage at the right price, earning consistent positive testimonials. Our access to every major carrier allows us to offer unbiased recommendations tailored to each clients unique health needs. We are dedicated to delivering reliable, stressfree insurance experiences that protect our clients health and financial wellbeing.
We maintain 5star office ratings and adhere to strict professional standards, reflecting our commitment to transparency. Our agents provide yearround education, enrollment assistance, and ongoing support at renewal to keep coverage optimal. We have helped thousands of clients secure the right coverage at the right price, earning consistent positive testimonials. Our access to every major carrier allows us to offer unbiased recommendations tailored to each clients unique health needs. We are dedicated to delivering reliable, stressfree insurance experiences that protect our clients health and financial wellbeing.
Highlights and features
- We have over 20 years of health insurance expertise.
- Our agents are awardwinning with 5star ratings.
- We charge no broker fees; costs are built into premiums.
- Our team provides yearround education and ongoing enrollment support.
- We have access to all major carriers for unbiased recommendations.
Services
Private Health Insurance
We compare private health insurance plans from all major carriers to match each clients budget and medical needs. Our licensed agents guide you through application details, ensuring accuracy and preventing coverage gaps. Clients receive ongoing support at renewal, with transparent advice to keep their coverage optimal.
MediShare Health Sharing
We facilitate enrollment in MediShare, a healthsharing program that offers affordable alternatives to traditional insurance. Our experts verify eligibility, handle preexisting condition considerations, and coordinate member contributions. Participants benefit from reduced costs while maintaining communitydriven support and taxcredit qualification assistance.
PreExisting Condition Coverage
We specialize in securing coverage options for individuals with preexisting conditions under ACA and Medicare plans. Our team navigates complex underwriting rules to obtain approvals and minimize premium impacts. Clients receive clear explanations and continuous advocacy throughout the enrollment process.
Tax Credit Qualification
We assess eligibility for ACA subsidies and guide applicants through the tax credit qualification process. Our advisors calculate projected savings, submit required documentation, and ensure compliance with federal regulations. This service helps families afford essential care while maximizing financial benefits.
Seamless Medicare Transition
We assist seniors in transitioning smoothly from ACA plans to full Medicare coverage. Our comprehensive process includes eligibility verification, plan comparison, and enrollment coordination to avoid gaps. Clients enjoy continued support and annual reviews to keep their Medicare benefits optimal.
