The Health Insurance Broker

Robert Falk - The Health Insurance Broker
Robert Falk – The Health Insurance Broker

I am a health insurance broker for the marketplace insurance policies and private insurance plans. I specialize in helping individuals and families get the best health insurance coverage for their needs and budget. Shopping all the different health plans can be complicated and overwhelming. I guide you through the quoting and enrollment process, answering all of your questions, and doing the work for you at no additional cost. Yes, my services are free; no broker fees.


Marketplace Health Insurance Broker

The Affordable Care Act Marketplace Insurance

Marketplace health insurance plans are often the most comprehensive coverage available to purchase. Most States still use the federal marketplace (healthcare.gov) which I am a certified agent for. These health insurance policies provide free preventative care, cover pre-existing conditions, and the pricing can be based on your income.


Private Health Insurance Broker

Other Health Insurance Options

Private health insurance plans might be a better option for you if the marketplace insurance policies aren’t a good fit. With a private health insurance plan that is “off-exchange” or “off-marketplace” you can often find larger PPO networks of doctors and they often provide national coverage. Some private health insurance plans will still cover pre-existing conditions just like the marketplace and some private plans offer lower prices based on your health.


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Accidental Insurance Coverage
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Affordable Health Insurance Policies

Marketplace Insurance

Marketplace health insurance plans are policies purchased through a government “exchange” and cover pre-existing conditions, pregnancy, and free preventative care. Prices might be lower based on income.

Private Health Insurance

Depending on where you live, there might be private health insurance plans available, outside of the government marketplace. These plans offer the same coverage as marketplace plans, but don’t involve the government.

Short Term Medical

Short term medical insurance policies are available for 1 month to 3 years. STM’s are a great option to fill a small gap between other coverage and are also a popular option for a lower price health insurance plan.

Accident

Accident supplemental insurance plans help pay your deductible and other out of pocket expenses that your main medical policy doesn’t cover.

Critical Illness

Critical illness insurance policies provide financial relief to you and your family when there is a diagnosis of cancer, heart attack, stroke, etc.

Fixed Indemnity

Fixed indemnity insurance policies help pay for out of pocket medical costs and personal expenses that your main health insurance doesn’t cover.

Dental

Dental insurance helps protect you financially by controlling the cost of major and basic dental services and offer free routine preventative services.

Vision

Vision insurance helps you stay on top of your routine eye exams and offer allowances and discounted rates for contacts, frames, lenses, and other vision services.

International / Travel

Domestic travel and international travel health insurance policies offer the coverage your normal health insurance doesn’t when you travel away from home.


Health Insurance Marketplace

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