YOUR CERTIFIED GUIDE TO HEALTH INSURANCE
Break Free from Overpaying and being Under insured with Flaharty Insurance Solutions By letting us Guide You Toward Comprehensive Coverage.
About us
We understand that navigating the insurance landscape can be overwhelming, which is why we take the time to listen to your needs and answer any questions you may have. Whether you need individual health insurance, group health insurance, or life insurance, we have the expertise and resources to help. We work with a wide range of insurance providers to ensure that we can offer you the best possible coverage at the most competitive rates.
Our Plans
OBAMA CARE/ACA
Government insurance with high premiums, high deductibles, or a combination of both.
Often benefits those who are eligible for government assistance programs or have major pre-existing conditions.
PRIVATE INSURANCE
The best option for people who are healthy or not are offered group coverage (ie. Self Employed, Business Owners, 1099-
Contractors). Lower monthly costs, lower deductibles, and nationwide coverage.
EMPLOYER COVERGE
Health insurance offered by your company at a reduced cost for employees. Adding family members can get expensive when employers only provide financial contributions to employees.
SHORT TERM/ LIMITED BENEFITS
Cheap plans that don’t cover wellness or preexisting conditions. Major claims usually result in large out-of-pocket expenses.
Meet the Team
Trust The Experts And Simplify
Your Insurance Shopping
Experience.
Next Day Coverage is Available on Select Plans!
Flexible Anytime Enrollment
Month to Month Coverage
You’ve Got Questions, We’ve Got Answers
Health insurance is a subject that many don’t fully understand.
Considering the price we pay for coverage, everyone should be fully aware of what their insurance does or doesn’t cover and how their benefits even work.
There are an overwhelming amount of plans available these days, which can make it difficult to find one on your own…
As health insurance advisors, we make it a priority to find the best possible insurance plan based on your specific needs and budget. You should fully understand what you’re buying into & that is why I spend a lot of time helping you understand your coverage, so you can make a confident, educated decision about your healthcare.
WILL I QUALIFY FOR PRIVATE HEALTH INSURANCE?
You don’t have to be an Olympic athlete by any means, but if you are in relatively good health then you should be a strong candidate.
Of course, individual considerations will be made, but if you don’t have any major pre-existing conditions such as cancer, heart attack, stroke, or diabetes then a private plan may be right for you!
CAN I CANCEL ANYTIME?
Yes, there is no contract for any health insurance plan, besides employer coverage. You can cancel at any time for both the public and private health insurance plans.
DO YOU ONLY WORK WITH HEALTH INSURANCE? WHAT ABOUT DENTAL, VISION, ETC?
No! We can also write policies for Dental, Vision, Life, Supplemental, Critical Illness, Accident Disability, etc. I have many trusted referral partners so I am happy to guide you to one of them If you need something I can’t help with.
WILL PRIVATE PLANS COVER ME ANYWHERE I GO?
YES!
Nationwide coverage, on and off the job. All private plans are PPO networks, so you aren’t limited to coverage in your zipcode/county like many plans. You are covered anywhere you go!
WHAT ARE THE BIGGEST DIFFERENCES BETWEEN ACA/OBAMACARE HEALTH INSURANCE, EMPLOYER COVERAGE, ANDPRIVATE HEALTH COVERAGE?
ACA/Obamacare is best for those with pre-existing conditions or those needing maternity coverage.
It is affordable if you are under the income threshold that qualifies you for government subsidies. If you aren’t getting government assistance, it is extremely expensive. These plans are mostly high premiums/high deductibles because anyone can get on them. Most employer plans are great for the employee because the employer is legally responsible to pay 50% of the employee’s monthly premium. The downside is that the employer is not
responsible for paying anything towards family add-ons. This causes the price to jump up significantly when adding family members and can get pretty costly because the family will be paying full price to be added to the plan.
Private insurance is medically underwritten, meaning you have to qualify based on your health. Since you are in a lower-risk pool of people, you get a lower premium and preferred rates, so they are more affordable than most plans with BETTER coverage.
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