Ruhm Insurance Agency, LLC
Quoting Tools
Currently Licensed in AZ, AR, CO, FL, GA, KY, KS, IN, NV, OH, OR, MD, MI, MO, TN, TX, PA & VA. Need a trusted referral in another state, happy to help you find one. Just fill out the form at the bottom of the page.
Section 1: Health Insurance under 65 years of age.
Individual Health Insurance -Affordable Care Act (ACA) Plans-Obamacare (Long Term Solutions)
Individual & Family Health (quote form)
Obamacare/ACA (Instant Quote, Apply & Enroll)
Short Term Health Insurance
Short-Term Health (Quote Form) PPO Plan up to 3 consecutive years in some states. Short term plans have simple underwriting. Plans from 1 month to 3 years depending on state.
Short Term (Instant Quote) with United Healthcare Golden Rule. I recommend the Elite plans in the brochure below.
AZ & OH Short Term Brochure (United Healthcare Brochure) - Please contact me for your specific state.
Section 2: Health Sharing for Individual & Families (NOT INSURANCE)
Altrua, Sedera and Zion Health are medical cost sharing and NOT INSURANCE, but membership-based health sharing plans. It's a community of like-minded individuals who help share in the costs of one another's large medical expenses. It's available for individuals, families and employer groups. The savings can be incredible compared to traditional health insurance plans on the individual and group markets. (Advisor Note: I have one of these plans personally with a pre-existing condition).
Altrua Healthshare
Sedera Healthshare
Zion Healthshare
Section 3: Group Health (Insurance & Healthsaring Options)
Group Health Insurance (quote form): This form gets the ball rolling and helps us determine the best path for your business. From 2 people up to 10,000, no business too big or small. I explore all paths on your behalf along with my group partners.
Section 4: Medicare Supplements, Advantage & Prescription Drug Plans
“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”
Medicare Supplement (quote form): Choose any doctor (95%) or hospital (100%) that accepts Medicare. For those that like predictable outcomes and freedom to use their plan anywhere. Quotes will be sent within 24 hours, but often within an hour.
Medicare Prescription Plan (quote form): Coincides with a Medicare Supplement.
Medicare Prescription Quote (Instant Quote, Apply & Enroll)
Medicare Advantage Plan (quote form): Mainly HMO & PPO Medicare plans from private insurers that include prescription drug coverage. If you have seen JJ Walker & Joe Namath commercials, they are describing Advantage plans. Attractive because of the "$0 Premium" or "free" benefits they can offer.
Medicare Advantage with Prescription Drug Plan (Instant Quote, Apply & Enroll)
Section 5: Dental Insurance
Dental Insurance (quote form): We have many individual and family plans available. Ameritas plans are my preferred individual & family options. Click on these links for an instant quote.
- Ameritas Protect Network 750/2000/2500 - (Instant Quote, Apply & Enroll)
- Spirit Dental 1200/2500/5000 or 3500 - (Instant Quote, Apply & Enroll)
Dental Discount Plans: (Not Insurance)
- Dental Discount Plans (Instant Quote, Apply & Enroll)
- Dental page My dental page provides quoting tools for a few other companies.
- Video Insurance vs Discount Comparison
Life Insurance
Life Insurance Quote: (quote form) This is the best route for Life quotes. You really should not be buying life insurance online unless you know exactly what you need.
- Get an Instant Quote - No Medical Exams
- Instant Quote with Medical Exam (usually less expensive)
Paycheck & Asset Protection
Disability Insurance: Please fill out contact form and we'll email you a PDF. There isn't an easy button here, it's pretty extensive underwriting. This insurance protects your paycheck in case you're no longer able to collect one due to a disability.
Long Term Care: (quote form) Like a disability policy while you're working, long term care protects your hard-earned assets in retirement. Here is a blog on why you need long term care and the policies available.
Annuities: The modern-day pension (although they have been around forever) for those that don't like the anxiety from wild market swings that happen on the stock market. "Fiduciaries" lose a lot of money offering these products, I can let you know how and why they don't recommend for that reason.
Travel Health Insurance
Travel-Trip Medical Plans: (Quote, Apply & Enroll) If you're traveling abroad for a short trip, extended mission or job assignment, you need one of these plans. Affordable protection when travelling anywhere outside of the United States. Click on the link to quote, apply and enroll in the plan that meets your travel needs.
If you want to schedule a meeting, please use this calendar link. If you see something I don't offer, need a referral to a trusted partner (Tax Professional, P&C agent, Financial Planner, etc.) or simply want me to call-just scroll down a bit and use the contact form. I have a blog and YouTube page with additional helpful information.
