Health Insurance Plans
Discover personalized health insurance solutions tailored to your unique needs in communities surrounding Cedar City, Utah.
Affordable Coverage for Families & Individuals
Comprehensive Coverage
Our plans provide robust protection for you and your loved ones, with a wide range of benefits including medical, dental, and vision care.
Flexible Options
Whether you’re an individual, a family, or a small business, we have customizable plans to fit your budget and healthcare needs.
Preventive Care
Stay healthy with our plans that emphasize preventative services, ensuring you get the care you need to maintain your well-being.
Individual and Family Coverage
Tailored plans for your unique health needs and budget. Choose plans on or off the Marketplace.
Health Insurance Options for Southern Utah Residents
Individual Plans
Our individual health insurance plan provide comprehensive coverage tailored to your personal needs, with a variety of deductible and copay options to choose from.
Family Plans
Protect your loved ones with our family health insurance plans, which offer affordable premiums and coverage for a wide range of services, including preventative care, hospital stays, and prescription drugs.
Small Business Plans
Empower your employees with our small business health insurance plans, which can help you attract and retain top talent while providing quality coverage at a competitive price.
Factors to Consider When Choosing a Plan
Coverage Needs
Evaluate your and your family’s healthcare needs, including the types of services you require and any pre-existing conditions you may have.
Network of Providers
Make sure your preferred doctors and hospitals are in-network to avoid higher out-of pocket costs.
Deductibles and Copays
Consider your budget and choose a plan with premiums, deductibles, and copays that fit your financial situation.
Prescription Drug Coverage
If you or a family member takes prescription medications, ensure your plan covers the drugs you need.
20 Commonly Misunderstood Health Insurance Terms Explained
1. Premium
The amount you pay for your health insurance every month, regardless of whether you use medical services.
2. Deductible
The amount you pay out-of-pocket for covered healthcare services before your insurance plan starts to pay.
3. Copayment
A fixed amount you pay for a covered healthcare service, usually when you receive the service. Copays can vary by service type.
4. Coinsurance
The percentage of costs you pay for a covered healthcare service after you’ve met your deductible. For example, if your coinsurance is 20%, you pay 20% and your insurer pays 80%.
5. Out-of-Pocket Maximum
The most you’ll have to pay for covered services in a year. After you reach this limit, your insurance pays 100% of covered services.
6. Network
A group of healthcare providers, such as doctors and hospitals, that your insurance plan has contracted with to provide care at negotiated rates.
7. In-Network
Providers or facilities that are part of your health insurance plan’s network. Going in-network usually costs less.
8. Out-of-Network
Providers or facilities not contracted with your health insurance plan. Using out-of-network services often costs more.
9. Explanation of Benefits (EOB)
A statement from your insurance company that explains what costs it will cover for medical care or services you’ve received.
10. Prior Authorization (Preauthorization)
Approval from your health insurance company that you may need before receiving certain services or prescriptions, to ensure coverage.
11. Formulary
A list of prescription drugs covered by your health insurance plan. Formularies often have tiers that affect copay amounts.
12. Balance Billing
When a provider bills you for the difference between what your insurance will pay and the provider’s total charge. This can happen with out-of-network providers.
13. Explanation of Coverage (EOC)
A document that details what your health insurance plan covers and what it doesn’t, along with limitations and costs.
14. Open Enrollment Period
The time frame during which you can enroll in a health insurance plan, make changes to your plan, or cancel it.
15. Special Enrollment Period (SEP)
A period outside the Open Enrollment Period when you can enroll in a health insurance plan due to certain life events, such as marriage or loss of other coverage.
16. HMO (Health Maintenance Organization)
A type of health insurance plan that requires you to use in-network providers and often requires referrals from a primary care physician to see specialists.
17. PPO (Preferred Provider Organization)
A type of health insurance plan that offers more flexibility in choosing healthcare providers and doesn’t require referrals to see specialists.
18. High Deductible Health Plan (HDHP)
A health insurance plan with higher deductibles and lower premiums, often paired with a Health Savings Account (HSA).
19. Health Savings Account (HSA)
A tax-advantaged account that can be used to pay for eligible medical expenses. Available with HDHPs, and unused funds roll over each year.
20. Medically Necessary
Services or supplies needed to diagnose or treat a medical condition, illness, or injury, deemed appropriate by your health insurance plan.
Meet Your Broker
A dedicated, independent advocate for your health coverage.
I follow a consultative approach—taking time to understand your health needs, budget, and preferences—then translating the complexities of coverage into plain language. Because I’m
Independent and appointed with many insurers, I can match plans to your specific situation rather than fitting you into a single company’s box. My goal is simple: you feel informed, confident, and cared for at every step.
- Major Medical & Marketplace (ACA)
- Medicare (Advantage, Supplement, Part D)
- TRICARE coordination
- Medicaid guidance
- Families, individuals & small businesses
How We’ll Work Together
- Listen & assess – A short conversation to map goals, doctors, prescriptions, and budget.
- Compare options – Side-by-side plans across multiple carriers, with clear pros/cons.
- Enroll with confidence – Guided enrollment and ongoing support after you’re covered.
