Health
Your care. Your budget. Your coverage.
Health insurance helps protect you from the high cost of medical care, including doctor visits, hospital stays, prescriptions, and preventive care. It balances the cost of healthcare between you and the insurer, ensuring access to care when needed.
Our Approach
Health coverage can be confusing, but it doesn’t have to be. Ron provides one-on-one consultation to walk through your options, answer questions, and match you with a plan that balances affordability with access to care. Every plan is tailored because no two clients have the same priorities.
Top Questions We Address
- Network choices
- Out-of-pocket maximums
- Prescription coverage
did you know?
- Most plans have networks, meaning certain doctors and hospitals are “in-network,” which typically costs less.
- Out-of-pocket maximums are the most you’ll pay in a year for covered services; after that, insurance covers everything.
- Prescription coverage varies; generic drugs may be fully covered, while brand-name prescriptions often have co-pays.
Dental & vision
Vision & Dental Coverage That Works For You.
Dental and vision insurance covers preventive care like cleanings, exams, and screenings, as well as specialty care such as orthodontics or lens upgrades. These plans help maintain your overall health and prevent larger, more expensive issues in the future.
Our Approach
Dental and vision coverage do more than protect your teeth and eyes; they support your overall health. From preventive checkups to specialty care, we’ll find a plan that fits your needs and budget.
We offer coverage together or separately and work with the carriers that best fit your location and needs. Many clients are surprised that benefits may still be paid for out-of-network services – let us clarify what works best for you.
did you know?
- Preventive services are often fully covered with little to no out-of-pocket cost.
- Vision insurance can catch serious eye health issues early, not just cover glasses or contacts.
- Even out-of-network services may be partially covered depending on the plan.
Life
Peace of mind for what’s ahead.
Life insurance provides financial protection for loved ones in the event of death. It ensures that bills, mortgages, tuition, and other obligations can be paid even if the unexpected happens.
Our Approach
Life insurance isn’t just about numbers, it’s about people. We help you understand your options, whether you’re looking for individual coverage or group benefits, so your loved ones or employees are protected when it matters most.
we provide
- Individual and group life coverage
- A large carrier base to find the best plan at the best price
- Flexible, versatile options for any coverage need
Disability
Because your income protection is important!
Disability insurance protects your paycheck if an injury or illness prevents you from working. It provides financial stability during recovery, helping you maintain your lifestyle and meet obligations.
Our Approach
An injury or illness can change everything. Disability insurance ensures your income keeps coming, even if you can’t work. We’ll help you find coverage that protects your paycheck – and your peace of mind – without unnecessary extras. Many clients are surprised how easy it is to apply!
did you know?
- Ron is an expert consultant on how to use short and long term disability with PFML!
- Short-term disability covers a few months, while long-term can cover years.
- Applications are usually simpler than expected with the right guidance.
Deductible Assistance
Filling the gaps that health insurance leaves behind.
Deductible assistance coverage helps pay for costs your standard health insurance doesn’t cover, such as deductibles, co-pays, or hospital expenses. It provides financial predictability and peace of mind when unexpected medical bills arrive.
Our Approach
High deductibles can hit hard. Deductible assistance coverage helps pay for out-of-pocket costs that traditional insurance doesn’t cover. Understanding your health plan first allows us to find the right accident, cancer, or hospitalization coverage – and fund an HSA if needed – to protect your finances.
In addition to the insurance products we’re licensed to represent, we also serve as a trusted referral source for individuals and businesses looking for coverage beyond our offerings.
real client experiences
- An accident claim was paid within one week, even while insurance companies debated responsibility.
- Personal use of a cancer plan allowed expenses to be covered without touching savings or retirement.
- We work with Aflec, Guardian, and Principal to provide reliable coverage that fits your life.
PFML Education & Private Plans
Understanding Minnesota’s new Paid Family & Medical Leave.
Minnesota’s Paid Family and Medical Leave (PFML) program began January 1, 2026 and requires most employers to provide paid leave benefits to employees for major life events like illness, bonding with a new child, or caring for a family member. The program provides partial wage replacement and job protection for eligible employees taking leave.
Employers can participate in the state-run program or apply for an approved private plan that meets or exceeds state requirements.
Our Approach
We provide clear PFML education so employers understand their responsibilities, payroll impacts, and compliance requirements while employees gain clarity on how the new benefit works. For many businesses, a private PFML plan can be a strong alternative to paying into the state program. We help evaluate whether the state plan or a private option makes the most sense and guide implementation of approved private plans that meet state requirements.
did you know?
- PFML provides up to 12 weeks of medical leave and 12 weeks of family leave, with a combined maximum of 20 weeks per year.
- The program is funded by a payroll tax that can be shared between employers and employees.
- Employers may choose an approved private plan instead of the state program.
(any) Insurance Referral, Made Simple
In addition to the insurance products we’re licensed to represent, we also serve as a trusted referral source for individuals and businesses looking for coverage beyond our offerings.
We’re frequently asked about home, auto, umbrella, renters, commercial, and workers’ compensation insurance. While these policies aren’t offered directly through our agency, we work closely with trusted, licensed insurance partners who specialize in these areas and can provide quotes and coverage guidance.
If you’re exploring options or aren’t sure where to start, our team is happy to help connect you with the right resources and support you through the process.