My Benefit Advisor

We know. We care. We can help.

If you’re finding it difficult to find reasonably priced health insurance, you’ve come to the right place. My Benefit Advisor, as a leader in the individual and small group health insurance marketplace, can help simplify your search.

Our experts are well-trained and knowledgeable in all areas regarding health insurance, offering you the premier approach to shop, research, compare and enroll in an individual health coverage program.

Optimal Coverage

We take the time to get to know your healthcare needs, then find the best coverage for you and any family members.

Cost Savings

With access to the area’s top insurance carriers and a comprehensive understanding of cost-effective rate development strategies, our team can secure you the coverage you want at the lowest prices available.

Professional, Independent Guidance

Although we represent dozens of insurance carriers, our loyalty is first and foremost to you, our customer. Rest assured you will receive unbiased, professional guidance from well-trained, caring staff who’s only objective is to help you find the coverage you’re looking for.

It’s Good To Have Options

At My Benefit Advisor, we know there’s nothing more important than the health of your family. And when it comes to health insurance, you’re probably looking for the best plan possible at a price you can afford.

We are also aware that each family’s health care interests are unique and what might work for one family may not be the right fit for another. As a result, a member of our team will discuss your lifestyle and healthcare needs and provide you with options from some of the area’s leading insurance carriers. We’ll present a range of programs consisting of varied coverage and cost-sharing levels, so you’ll be certain to find one that works for you.

Our individual insurance experts will be there with you all along the process, helping by explaining benefit details, comparing programs, guiding you through the enrollment process and the reviewing any applicable government subsidies.

Plan Types and Options

One size doesn’t fit all when it comes to health insurance, so the program you choose needs to be tailored to the individual health circumstances and needs of your family. The MBA team will make sure you find the most comprehensive coverage program for the lowest cost.

Individual insurance plans come in many of the traditional formats you may be familiar with, such as:

Health Maintenance Organizations (HMOs) - providing you with coverage through a selected network of hospitals and physicians, coordinated by your primary care physician.
Exclusive Provider Organization (EPO) – similar to HMOs, EPOs cover only in-network care. But the networks are generally larger. They may or may not require referrals from a primary care physician or seek a referral to see a specialist. Premiums are higher than HMOs, but lower than PPOs.
Point-of-Service Plans (POS) - requiring that participants choose a primary care physician to access care within the network, but also allowing for access to providers outside the network with additional out-of-pocket costs.
Preferred Provider Organizations (PPOs) - allowing insureds to choose from either a network provider (at a discounted rate) or a non-network provider (with higher out-of-pocket costs).
Health Savings Accounts (HSA) with High Deductible Health Plans (HDHP) – HSA plans allow the insured to set aside tax-free funds in a savings account and are particularly effective when paired with HDHPs as they help control both rising premiums and higher out-of-pocket costs.

We Are Ready To Help

We can assist you with understanding your options, selecting a local carrier, and guiding you through securing the best coverage at the appropriate cost. Fill out our form to have a local expert contact you ASAP.