Business Details
50+ Years
experience
Your Trusted Health Insurance Partner in Glendale, WI
FHK Insurance has been a trusted family-run business since 1970, dedicated to providing personalized health insurance solutions. Our team of experienced agents, with an average of over 20 years in the industry, specializes in Medicare, ACA plans, and employer-sponsored coverage. We prioritize unbiased guidance by representing all major insurance companies, ensuring clients receive tailored recommendations after thorough one-on-one consultations. Our commitment to simplifying complex insurance processes has earned us a reputation as Wisconsin's oldest and largest insurance agency while maintaining a client-centric approach.We pride ourselves on offering real-time support through direct phone access to knowledgeable staff, avoiding automated systems. With a focus on transparency and long-term client relationships, we serve individuals, families, and businesses across Wisconsin and Illinois, helping them navigate healthcare options with confidence and clarity.
Services
Medicare Planning
ACA Plans
Employer Solutions
Dental Insurance
Travel Insurance
Critical Illness Coverage
Final Expense Insurance
Short-Term Medical
Details
- Year established: 1970
Highlights and features
- We have over 50 years of experience in health insurance services
- Our agents average 20+ years of industry expertise
- We offer unbiased guidance representing all major insurance companies
- We provide personalized one-on-one consultations for every client
- We maintain Wisconsin's oldest and largest insurance agency legacy
What people say
Experienced agents
Personalized service
Knowledgeable staff
Simplified process
Trusted guidance
Services
Medicare Planning
Our Medicare planning services help seniors navigate Part A, B, C, and D options. We provide unbiased comparisons between Medicare Supplement and Advantage plans, explaining deductibles, premiums, and coverage networks. Our advisors help clients understand enrollment periods, avoid late penalties, and select optimal prescription drug coverage while considering their specific healthcare needs.
ACA Plans
We assist individuals and families with ACA-compliant marketplace plans that include essential health benefits. Our team helps clients determine eligibility for premium tax credits, compare metal-tier plans, and understand out-of-pocket costs. We explain coverage details for preventive care, maternity services, and chronic condition management while ensuring compliance with federal regulations and state-specific requirements in Wisconsin.
Employer Solutions
Our employer solutions focus on Medicare education and benefits management for Wisconsin businesses. We conduct on-site seminars, provide white-glove transition support for retiring employees, and help HR departments navigate Medicare compliance. Our services include cost-saving analyses, plan comparisons, and customized educational programs that reduce administrative burdens while improving employee satisfaction with their healthcare options.
Critical Illness Coverage
We offer specialized coverage options for cancer protection, heart attacks, and strokes. These plans help cover expenses not included in standard medical insurance, such as travel costs for treatment, experimental therapies, and lost income during recovery. Our advisors explain policy details, benefit structures, and how these plans coordinate with primary health coverage to provide comprehensive financial protection.
Short-Term Medical
Our short-term medical insurance solutions provide temporary coverage during life transitions. These plans offer lower premiums and broad provider networks for individuals between jobs or waiting for permanent coverage. We help clients understand policy limitations while finding cost-effective options that maintain healthcare access during transitional periods in Wisconsin.
People
William M. Kravit
President
Third-generation insurance leader with over 30 years of experience, William oversees FHK's strategic direction while maintaining client relationships. He continues the family legacy of personalized service established by his grandfather in 1970.
Jonathan J. Kravit
Vice President
With 15+ years in the industry, Jonathan specializes in employer solutions and Medicare education programs. He co-leads FHK's workforce solutions team, developing customized seminars and transition support programs for Wisconsin businesses.
Michael L. Johnson
General Manager
Michael manages daily operations and client services, ensuring FHK maintains its high standards of personalized assistance. He oversees staff training programs that contribute to the agency's longer-than-average employee tenure.
Nikki V. Johnson
Senior Advisor
As a certified Medicare specialist with 12 years of experience, Nikki provides expert guidance on plan comparisons and enrollment strategies. She co-develops educational materials used in FHK's Medicare seminars for employers and individuals.
Randy Staudacher
Senior Advisor
With 25 years in health insurance, Randy specializes in complex case solutions and employer benefit analysis. He helps clients navigate coverage transitions while maintaining compliance with evolving Medicare regulations.
Questions
When can I enroll in Medicare?
You have a 7-month Initial Enrollment Period starting 3 months before turning 65. Special Enrollment Periods apply if you're still working and delay enrollment without penalty.
What's the difference between Medicare Supplement and Advantage plans?
Supplement plans cover Medicares deductibles and coinsurance with nationwide provider access. Advantage plans bundle Parts A, B, and often D with additional benefits like dental/vision, but use specific provider networks.
How do ACA tax credits work?
Premium Tax Credits reduce your monthly ACA plan costs based on household income. We help determine your eligibility and calculate potential savings during personalized consultations.
Do you offer employer-sponsored insurance solutions?
Yes, we provide customized Medicare education programs for employers, including on-site seminars, personalized employee consultations, and cost-saving analyses for HR departments managing senior workforce transitions.
What areas do you serve?
We primarily serve Wisconsin and Illinois residents, with nationwide Medicare Supplement options. Our local expertise helps Wisconsin clients navigate state-specific insurance requirements and provider networks.
How much do your services cost?
Our advisory services are free - we're paid through commissions from insurance companies. This allows us to provide unbiased guidance without additional costs to clients seeking Medicare, ACA, or employer solutions.
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