An independent health insurance agency · Johnston, Iowa
Coverage explained. Choices made clearer.
Medicare and Marketplace plans, walked through in plain English by a local, independent agency. No call center. No pressure. One office in Johnston.
Or call us: (515) 671-2711
Insurance has its own language. We translate.
A few terms you’ll hear — and what they actually mean.
The list of prescription drugs a plan agrees to cover. If your medication isn’t on it, you pay more — so we check it first.
A coverage gap in some Part D drug plans where your share of costs changes mid-year. We’ll show you where it starts for you.
The doctors and hospitals a plan has agreed to work with. Staying in it keeps your costs down — we confirm yours are included.
Medicare
Medicare comes in parts. We work all of them.
If you’re turning 65, already on Medicare, or qualify through disability, we’ll map your options side by side — and tell you plainly when your current plan is still the right one.
Medicare Advantage
All-in-one plans that bundle hospital, medical, and usually drug coverage, often with dental and vision extras. Networks matter here — we check yours.
Ask about Advantage plans →Medicare Supplement
Plans that pay the gaps Original Medicare leaves behind — deductibles, copays, coinsurance — with freedom to see any doctor who takes Medicare.
Ask about Supplement plans →Prescription Drug Plans
Standalone drug coverage. The right plan depends entirely on your prescription list, so we start there — not with the premium.
Ask about drug plans →Who qualifies: most people at 65, plus many under 65 who receive Social Security disability benefits or have end-stage renal disease. Not sure where you land? That’s a five-minute conversation.
Under 65 · Individual & family
Not 65 yet? The Marketplace is your lane.
Health Insurance Marketplace (ACA) plans cover individuals and families who don’t have coverage through work. Depending on your household size and income, federal subsidies can lower your monthly premium — we’ll check what you qualify for as part of your quote.
The annual window when anyone can enroll or switch Marketplace plans, generally beginning each November.
Life changes — a move, a marriage, a lost job, a new baby — can open a window for you any time of year.
How we work
Independent means we answer to you.
For your health coverage, our team compares plans from multiple carriers rather than selling one company’s lineup. The recommendation fits your doctors, your prescriptions, and your budget — in that order.
Honest
If your current plan is still your best plan, we’ll say so and shake your hand.
Clear
Every option explained in plain English, side by side, before you sign anything.
Local
One office in Johnston. When you call, you reach the people who enrolled you.
Beyond health
Home, auto, and business get a warm handoff.
Health coverage is our focus. For property, casualty, and commercial needs — homeowners, auto, umbrella, and business coverage — we’ll connect you with a trusted resource who handles those lines every day.
Coming soon
The whole site is on its way.
Plan guides, enrollment dates, and more are being built right now. Leave your email and we’ll send one note when it’s live — nothing else. We’re looking forward to serving you.
Get a quote
Tell us a little. We’ll do the comparing.
Five fields, no obligation. We’ll come back with real options and plain-English answers — usually within one business day.