Ruhm Insurance Agency, LLC
Clicking on the links below provide immediate access to forms or quotes. The best part about our quote and form links, you will not have 3-10 agents calling you relentlessly. That doesn't happen here! We provide easy to use tools that can be utilized based on your comfort level. We do not sell or farm out your information to multiple agents, EVER!
1. Individual & Family Health: Affordable Care Act (Obamacare) and Short-Term Health PPO Plan (up to 3 consecutive years in some states). Click on these links to get instant quotes: Obamacare or Short Term.
2. Altrua Health Share: Christian based health sharing alternative to Obamacare. I package Altrua with a stand-alone cancer plan and will not offer without. The 2022 Membership Guidelines is a must read before enrolling. Ready to become a member, enroll here.
3. Travel-Trip Medical Plans: If you're traveling abroad for a short trip or an extended mission or assignment. you need one of these plans. Affordable protection when travelling anywhere outside of the United States or for visitors to the US.
4. Group Health Insurance: Please fill out the contact form and we'll discuss options. Group quotes can take up to10 days and a month or two to place depending on efficiency of info collected.
5. Medicare Supplement: Choose any doctor (95%) or hospital (100%) that accepts Medicare. For those that like predictable outcomes and want freedom to use their plan about anywhere. Currently I only use the form for quotes and will respond usually within an hour, but it could take up to 24 hours. I have access to every carrier.
6. Medicare Prescription Plan: Coincides with a Medicare Supplement. If you would like to check out Medicare Prescription plans on your own, click here. You can get a quote, apply and enroll in minutes. I made this YouTube video to help you navigate the tool.
7. Medicare Advantage Plan: Mainly HMO & PPO plans that include prescription drug coverage. Must use doctors and hospitals in network or pay higher out of pocket expenses or possibly not have coverage at all. If you have seen JJ Walker & Joe Namath commercials, they are describing Advantage plans. You can get a quote, apply and enroll using this link. I made this YouTube video that walks you through a quote.
8. Dental Insurance: We have many individual and family plans available. Ameritas plans are my preferred individual & family options. Click on these links for an instant quote to my favorite offerings. Ameritas Protect Network 1000/2000 and Spirit Dental 1200/2500/5000 or 3500 (Network 3500 is what I have). I do have a few other options on my dental page if these don't satisfy your needs.
9. Life Insurance Quote: Term, Permanent & Final Expense life insurance options.
10. Instant Life Quote (no exams): Quote, Apply and have policy in under 10 minutes for most cases. A great option for those that don't like needles, exams and extensive underwriting. Term, Whole & Final Expense Options.
11. Disability Insurance: Please fill out contact form and we'll email questionnaire. Insurance that protects your paycheck.
12. Long Term Care: The retirement disability insurance policy that protects your assets.
13. Annuities: The modern-day pension for those that don't like the anxiety from wild market swings that happen on the stock market. I am fortunate to work with my cousin that has 30 years of experience in the annuity market. Guaranteed income without the stress.
14. Home, Auto & Business Insurance: I am licensed, but no longer work this side of the business. Need a great referral, fill out the link and let me know where you're located and what you need.
If you want to schedule a meeting, please use this calendar link. See something I don't offer, need a referral to a trusted partner (accountant, P&C agent, financial planner, etc.) or simply want me to call-just scroll down a bit and use the contact form.
By filling out this form, Chris Ruhm or one of his agents will reach out to you. If we use a trusted partner, it will be communicated before sharing the referral. We do not resell or share your info without your consent. You may rescind our permission to contact at your request.
Cincinnati, Ohio, United States
Neither the insurance company nor the agent/broker making a solicitation have any connection or affiliation with, and are not in any way sponsored by, the federal or state government, the Social Security Administration, the Centers for Medicare and Medicaid Services, or the Department of Health and Human Services.
Copyright © 2018 Ruhm Insurance Agency, LLC