— BK BENEFITS CONSULTANTS
Health Insurance That Fits Your Priorities.
We focus on health coverage for families, the self-employed, and small businesses. An independent broker can compare plans across multiple carriers — major medical and the alternatives that work when major medical doesn't fit — and help you understand what fits your situation.
— INDIVIDUAL & FAMILY
Health Insurance When You're Footing the Bill.
If you don't get health insurance through an employer, you're often on your own. And "on your own" usually means staring at a website with thirty plan options, wondering what on earth a "coinsurance maximum" is and whether the doctor you've seen for ten years is in any of these networks.
We work with self-employed folks, people between jobs, under-65 retirees, and families who just need a plan that doesn't require a spreadsheet to understand. Whether you're a freelance designer working out of a coffee shop or a couple transitioning into retirement a few years early, the conversation starts with you and your priorities.
Your broker starts with a conversation. They'll ask about your doctors, your prescriptions, how you actually use your insurance (or how you expect to). Then they shop plans across multiple carriers and come back to you with real options — not a wall of plan names and deductible numbers with no context.
They'll explain what each plan actually covers, where the gaps are, and what you'd pay if something unexpected happens. If one plan has a lower premium but a narrower network that drops your doctor, they'll tell you that. If a higher-deductible plan makes more sense because you're young and healthy and barely go to the doctor, they'll tell you that too.
Once you pick a plan, your broker handles the enrollment paperwork. Throughout the year, they're a phone call away — for claims questions, provider changes, qualifying life events, or trying to figure out a confusing bill. When renewal season comes, they re-shop on your behalf and help you decide whether to stay put or switch carriers.
— SMALL BUSINESS
Group Health for Your Team.
Offering health benefits is one of the best things you can do for your team. It's also one of the most confusing things you'll deal with as a business owner. How much should you contribute? What plan types make sense for a mix of ages and family situations? And what happens when the renewal letter shows up next year with a rate increase that makes your stomach drop?
We work with small businesses — usually 2 to 50 employees — looking to set up group health plans that fit the budget without gutting the coverage. Here's how it works: your broker learns about your team, what you're currently spending (if anything), and what matters most to you. Then they go to market.
They compare group plans across multiple carriers and put together a side-by-side breakdown your team can actually understand — clear options with the trade-offs spelled out.
Most small businesses also add dental and vision. Those are usually inexpensive to bundle in and they go a long way with employees — sometimes further than you'd expect. Your broker helps you decide whether it's worth it for your situation.
At renewal time, your broker renegotiates, re-shops, and makes sure you're still getting a fair deal. If a different carrier is offering better value that year, they'll let you know — and handle the transition for you.
— DENTAL & VISION
Standalone or Bundled — Your Call
Most health plans don't include adult dental or vision. That catches people off guard. The good news: standalone dental and vision plans are straightforward, usually affordable, and your broker can help you find one that covers the stuff you actually use — cleanings, exams, glasses, contacts.
If you're a business owner, dental and vision are easy add-ons to a group health plan. Employees notice them, and the cost is often surprisingly low per person. For individuals and families, standalone plans typically work the same way — pick a plan, pick a dentist in network, done.
Either way, your broker will make sure you're not paying for coverage you won't use or skipping coverage you'll regret not having when you're sitting in the dentist's chair.
— THE PROCESS
How It Works
Talk
Fill out the form or give us a call. Your broker will follow up with a quick conversation about your situation — who needs coverage, what doctors you see, and what matters most to you.
Shop
They'll compare plans across multiple carriers and put together a short list — with clear explanations of what each one covers and what it costs.
Enroll
Pick the plan that fits. Your broker handles the enrollment paperwork and tracks it through to confirmation. After that, they're still around — for claims questions, renewals, whatever comes up.
Common Health Insurance Questions
A few things people usually want to know first.
Get Help With Health Coverage
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Thank you!
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