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Consider buying a high deductible health plan if you are usually healthy, and only use office visits for wellness, checkups and vaccinations.

We always check the annual cost against the deductible, in some cases, you’ll save money even if you hit the deductible and maximum out of pocket, in those cases, you really save a lot of money if you stay healthy, you only save a little money if you are hurt or have an illness.

But either way, our goal is to save money, not to spend it carelessly.

The point is, compare, you must check to see if you are spending more just to avoid a deductible, when the deductible, if it happens, costs less than what you pay now.

High Deductible Plans in Utah

High Deductible Plans in California

Select Your State

• California
• Nevada
• Utah

It’s easy to get an instant quote and compare what you pay now, to the current rates.

Call 1-800-655-9525 to talk to a licensed agent.

Health Insurance from Humana, a top rated national insurance company, starts at about $21.00 for healthy people aged 20 to 25 in Southern Utah.

There are options for dental and life insurance at low rates as well.

Policy: “Humana Portrait Share 80″, Utah plan #46168, January 2008.

One important note on these plans is NO MATERNITY. So if you plan to become pregnant, or may become pregnant, call us for other options to this plan.

You can shop, compare and enroll online, but you are encouraged to talk to us if you have any questions. Call 1-800-655-9525 to talk to a licensed agent now. <You can check out plans and rates here.>

You don’t have to talk with an insurance agent (blech!) to learn about Humana’s affordable health insurance in Utah!

We can show you plans that are amazingly affordable, you can get your own quotes online, and you can call us anytime too.

You are probably paying too much if you have not reviewed your insurance lately, and a quick look will not cost you anything. Get the piece of mind that comes from knowing you have a great insurance plan and rate!

Here is what’s new:

• Humana has just introduced new low cost plans taking effect on March 1, 2008. If you are looking for individual or family see them now! <Humana Plans Go!>
• Blue Cross (Anthem) has just introduced Employee Elect in Nevada! You have to call the Cowboy at 1-800-655-9525 to get your free comparison now. You won’t believe the difference this plan can make to your company until you see it!
• For a limited time we are offering a full comparison of your Health Plan with savings recommendations and simple summary for changing. Call today to get yours!

It’s just crazy to pay high insurance rates! The insurance company won’t give the money back! You just over pay and over pay.

You know that it’s true, partner, but it doesn’t have to be that way! There are easy ways to save, and we can show you how double quick!

Don’t wait until you have a close call, become ill, injured or rates increase, get it now. It isn’t expensive, it isn’t hard, and it won’t take you long to do.

It’s been a long time since I started selling insurance, and I have seen the alternative, it just doesn’t make sense to run around without protection if you have a family that depends on you.

We recommend

Protective Life

we use Protective ourselves, and Protective has great credentials, so go ahead and get your free quote now.

You should get Life Insurance while rates are low, the rates will go up when interest rates start to move up again. You also should consider that most people get the best rate while healthy, if you wait you may not qualify, or you may get punitive rates because you are not in your best health.

Call us with questions, it only takes 4 or 5 minutes by telephone to get your policy started.

[Get Quote] 1-800-655-9525

Myths

The Insurance TOP TEN Myths are common Life and Health insurance beliefs that are wrong, or at least misunderstood. We are presenting these in a humorous way, with thanks to David Letterman for popularizing the style.

1. It’s expensive. Try paying for your own brain transplant! Hey, just kidding, but at least a high deductible plan (they are very cheap) will cover the big stuff, if it happens, and then if you need a new brain, it’s affordable.
2. I can get it later. We get so many phone calls from people who have that 24 hour brain tumor that’s been going around, or from others who are “a little bit pregnant”. Please shop and select your insurance policies BEFORE you need them.
3. I already have coverage. Check your coverage, if you have a newborn baby, they are NOT automatically added in most cases, if you are getting married, you may NOT have maternity at all. Check out your coverage before you get surprised.
4. I’m under my parents. OOPS! This one gets a lot of folks, because if you are over 18 and not a full time student, you usually get dropped, if you are 24 years old, you usually get dropped, and if you get married, you will get dropped regardless of age. Don’t find out the hard way, that you are off the policy!
5. I am getting a great deal. This one is easy. Just compare your plan to competitive plans, call us if you need help. If you have had your policy a few years, whether it’s Life or Health, you should have a look. Rates have been dropping on Life and Policy changes have affected Health.
6. I don’t need it, the government will cover me. If you have nothing, you have nothing to lose. But if you have anything, or others depend on you for financial support, you need both Life and Health insurance.
7. I’d never use it. Well thank the ever lovin’ hand of providence! Do you really WANT you money’s worth from a Life Insurance Policy?!?!
8. I’m healthy, don’t need it. In lots of cases you need no Life Insurance, only if someone would suffer FINANCIALLY from your early demise. But we have found that people become un-insurable (can’t qualify) , either from Diabetes, Depression, Obesity or other reasons, and are unable to get the Life or Health policies they would like, so get it while you are still immortal!
9. I’ll get it tomorrow. Don’t wait, there is no benefit to waiting, you will be betting a losing hand. At least check the options and rates to see if you are trying to avoid a small cost by paying a huge cost.
10. It’s a hassle. Okay, we agree, it’s less fun than a massage at the spa. In fact, it’s a cross between a funeral and a root canal. But we will do our best to clarify your options, and to save you money. Give us a call, we’ll be glad to hear from ya!

1. TONIK from Anthem Blue Cross. Available in Nevada, California and other states. Get rates for Nevada and California here.

2. Term Life Insurance from Protective Life. You can get your own rates here. We can start your application by telephone, we only need to know how much Life Insurance you want, who the beneficiary will be, your home address and telephone number. It takes just a few minutes!

3. High Deductible Health Plans from Humana. People in Utah and Nevada have a really affordable health plan available to them, and we think it’s a great option! Some of our office staff, including the Trailboss and her husband, are covered with Humana HDHPs. See the rates here for Nevada and Utah.

This page is undergoing construction, but if you want to comment on your favorite for the TOP TEN, email jeff@ this site.