Chris Ruhm-Insurance Advisor
Insurance Quote Tools
Currently Licensed in AZ, AR, CO, FL, GA, KY, KS, IN, NV, OH, OR, MD, MI, MO, TN, TX, PA & VA. If you are getting a quote or policy on a product not listed below, please let me review it. I will give you an honest breakdown and let you know if it's a legitimate insurance product. If there are better products than suggested below, I would like to know.
Section 1: Medicare Supplements, Advantage & Prescription Drug Plans
- 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)
“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.”
Section 2: Health Insurance (Under 65) for individuals & families.
Individual Health Insurance (Obamacare Plans)
- Individual & Family Health (Quote Form)
- Obamacare/ACA (Instant Quote, Apply & Enroll)
- Obamacare Myth Video - Anyone regardless of age, income, sex, ethnicity, etc can get an Obamacare plan during Open Enrollment or Special Election Periods. You may not like it, but EVERYONE can get a policy.
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.
- Short Term Health Quote (AllState Instant Quote)
Short term health plans are not long term solutions. The timing of a policy expiration date can leave you uninsured. Ideal for people between jobs or within 1-3 years (depending on state) of Medicare looking for potentially lower cost solutions.
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.
Altrua Healthshare
Sedera Healthshare
Zion Healthshare
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.
Dental Insurance
Dental Insurance (quote form) This form will help me navigate the options below for you. In addition, some carriers do not have the self quoting options. If you want to see rates and not be bothered by anyone, most of links provide simple quoting, apply and enrollment tools.
My Plan:
- Physicians Mutual (Dental & Vision): These are the 4 reasons I went with PM. Unlimited Coverage (NO ANNUAL MAXIMUM), No Deductible, 70% Major Service Coverage (one year waiting period) and Choose Any Dentist (Ameritas Network for best rates).
Other Solid Options:
- Allstate (Dental & Vision) - Variety of PPO Plans and Fixed Indemnity Options.
- Ameritas Primestar (Dental & Vision) - Big Network & Solid Plans
- Delta Dental of Arizona - Great Network & Plans in AZ only.
- Delta Dental of Ohio, Michigan & Indiana - Solid network, benefits need some help.
- Delta Care Plus Group (Dentaquest) Ohio, Kentucky & Indiana (Vision Discount Plan Included) - Great Network, please fill out the form due to quoting inacurracies if you're older than 55.
- Humana (Dental & Vision) - Solid PPO plans.
- Metlife (Dental & Vision) - A $10,000 annual benefit option, Snoopy likes that benefit.
- Nationwide (Dental & Vision) - National brand recognition, solid plans
- Spirit Dental (Ameritas Network) - Big network and a solid variety of plans. No Vision option, but can be purchased on it's own with most plans above.
- Dental Discount Plans (not insurance) - 10-60% off most dental procedures with no waiting periods or annual maximums.
Section 4: 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.
- Life Insurance Underwriting Explained Don't let the advertised rates fool you.
Section 5: 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.
Section 8: Travel/Trip 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.
