Why choose us…
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Most of my clients save 40% on their monthly premiums.
Your time is valuable. You do not need to spend hours searching for coverage. Let me do the legwork for you with a free quote in just minutes!
Individual
Plans
There is no “one-size fits all” plan. Our specialist will consider YOUR situation and find the best solution to meet YOUR needs. As an independent agent, we have access to a variety of plans to find the right one for you.
Child-Only
Plans
Sometimes your employer has the best plan for you, but it’s just not right for your children. We have several options that meet this need and can find the solution that works best for your family.
Medicare
Supplement Plans
Any Medicare recipient has to deal with gaps in coverage. A Medicare Supplement program can help to protect you by covering the expenses that Medicare does not.
Group/Small
Business Plans
Attracting and retaining great people relies on being able to offer a great employee benefit package. We help small businesses find the right solution that’s cost-effective for the employer, and a great resource for the employee.
Critical Illness
Plans
A critical illness plan can be a great asset for many people. Depending on the circumstance, such a plan may have a minimal cost because not everyone will endure a critical illness in their lifetime. However, when you do, patients realize how costly treatments can be, and a supplemental plan like this can make a huge difference.
Accident
Plans
Another supplemental plan that can offer big savings is an accidental injury plan. With a relatively low cost, it’s another safeguard you can put in place to protect your pocketbook on the off chance you have to deal with an accident. It can cover the deductibles and extraneous expenses that typical medical coverage doesn’t cover.
Medical / Dental
Expense Matching Accounts
This is a great program that helps individuals and families cover ANY type of medical or dental expense, and then best of all, MATCHES it! It’s similar in functionality to a Health Savings Account but different in that its growth is guaranteed and substantial.
Dental
Plans
Adding a dental plan to help protect yourself and your family from unexpected expenses can be a huge asset. We have several plans to choose from and will work with you to find the best fit for your circumstances.
Vision
Plans
Vision plans are often considered a big ‘extra’ when it comes to health coverage. With more and more screen time at work and at home, it puts tremendous strain on our eyes, and having regular checkups is critical.
Kim Kramer
Licensed Health Insurance Agent
Looking for better health coverage with affordable rates? You have options. I can help you save money without losing benefits by building you a plan based on your specific needs and budget.
I am licensed to help in Alabama, Arkansas, Florida, Georgia, Iowa, Louisiana, Michigan, Missouri, Nebraska, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, & Utah.
Let me go to work for you to make the process as easy as possible and continue to help you throughout the life of your policy.
Let’s assess your needs.
We have flexible and reliable insurance products that are tailor-made to fit your needs and budget.
My priority is helping individuals, families, and small businesses with quality health coverage including critical illness, life, dental, vision and disability at affordable rates.
