Glenn B. Rogers III · Health Insurance Advisor · Nashville
I am Glenn Rogers, an independent health insurance advisor in Nashville. Most people never get to see the full set of options before they have to choose. I will walk you through every full coverage option on the table and tell you plainly how they compare.
The market, in plain terms
Most people are sold the first thing that answers the phone. Here is the whole board, what each one legally is, what it is genuinely good at, and where it will cost you.
Insurance
Self employed, small business, or a family facing a high price to add dependents at work.
Medically underwritten, so you answer health questions and the carrier decides. For people who qualify, this is often where the strongest value sits, but it depends entirely on your health and your household.
Watch for You have to be reasonably healthy to get approved.
Insurance
Anyone who qualifies for a subsidy, or who has a significant pre existing condition.
Guaranteed issue. Your health history cannot be used against you, and a subsidy can make it considerably more affordable.
Watch for Without a subsidy it is usually expensive for what you get.
Insurance
People with benefits at work.
Most of the time this is the strongest option on the table, and for the employee on their own it is often free or close to it.
Watch for It can still be expensive, and adding a spouse and children is usually where that happens. Other routes can come out more affordable once you are covering a family, so the family number is the one worth comparing.
Insurance
People who just left a job and kept the plan.
It is the same employer plan you already know.
Watch for You now pay the entire cost yourself. Both ACA plans and underwritten plans can beat it on price, so it is worth comparing before you keep it.
Not insurance
Advertised heavily, often to people who think they are buying insurance.
Sometimes genuinely inexpensive, and some people are happy with them.
Watch for These are not insurance and are not regulated as insurance. There is no legal obligation to pay a claim, and a zero dollar deductible on one does not mean what it means on a policy. Read what you are actually buying.
Insurance
A genuine gap between two employer plans.
Fine for exactly that job and not much else. It is insurance, but a limited kind.
Watch for Federal rules cap how long one of these can run, and that cap has moved more than once, so check what applies when you buy. Frequently marketed deceptively too. If your phone has been ringing, this is usually what they are selling.
How I work
My job is to make sure you understand the whole board before you choose. I will explain every full coverage route open to you and put it next to what you would pay through work, through COBRA, or on the Marketplace.
Underwritten plans ask health questions and the carrier decides. I will make sure you know how that works and where you stand before you are counting on anything.
What decides it is usually straightforward. Your income, your health, who else needs covering, and when you need it to start. Four answers and the shortlist is obvious.
Calls are booked as a thirty minute slot. I need ages, your state, and roughly when you want coverage to start. That is enough to quote you.
Your rate
Health insurance is priced per person, not per family, which is why a quote for a household is rarely what people expect.
Every person on the plan is rated on their own age. This is the single biggest driver.
Availability and pricing both change at the state line.
Two adults price differently from one. A child under 26 can usually stay on a parent's plan.
Going to a zero deductible is a known, fixed step up from the standard plan.
When you want it to begin shapes what makes sense. The effective date is set by the carrier, not by me.
There is usually a more affordable route than the first one you are shown. Lower cost options may be available depending on your income and your health. If your household income puts you in range for a Marketplace subsidy, that can bring the price down a long way. If you are in good health, a medically underwritten plan will often beat what you are being quoted elsewhere. Which of those two applies to you is most of what we work out on the call.
The call
Ages of everyone who needs covering, your state, and roughly when you want it to start. That is enough for me to quote you.
I set out every route open to you side by side and we work through which ones actually fit.
A straight answer about which route is best for your household, and a quote for the options you qualify for. No application unless you want one.
Questions
Often quickly, but I cannot promise you a date. Whether an application is accepted, and what effective date it is given, is decided by the carrier. If you have a gap between employer plans, say so on the call, because the timing changes what I would suggest.
Underwritten plans ask health questions, and the carrier alone decides whether to issue coverage. Nobody, including me, can tell you in advance that you will be approved. If an underwritten plan is not the right route, the Marketplace is guaranteed issue and I will tell you to go that way.
Health insurance is priced per person by age and by state, not as a flat family rate, which is why a household quote is rarely what people expect. Give me the ages of everyone who needs covering and your state and I can put a quote together for your household rather than hand you a vague range. A quote is an estimate, and the final figure depends on underwriting and carrier approval.
Generally yes, until they turn 26. That is the rule on ACA plans and it works the same way on the underwritten side. Either way they are quoted as dependents rather than as separate adults, which costs noticeably less, but only if a parent is on the plan too.
Yes, dental can be added. I keep it out of the first quote so you are comparing the medical number cleanly, then we add it if you want it.
Yes. I work across ACA Marketplace coverage and medically underwritten plans, so I can show you both side by side rather than only the half of the market I happen to know. If a subsidy makes the Marketplace your best route, that is what I will tell you.
Probably not. The calls most people get are short term plans or health care sharing plans, and those are frequently marketed deceptively. A sharing plan is not insurance and has no legal obligation to pay a claim, and a zero dollar deductible on one does not mean what it means on a policy. Ask me to explain the difference and I will.
Thirty one, listed on this page. If yours is not on the list, ask anyway, because I add states regularly.
Get a number
Ages and a state are enough for me to put a quote together for your household. Quotes are estimates and are subject to underwriting and carrier approval.
Quotes are estimates based on what you tell me, and are subject to underwriting and carrier approval. Prefer to just talk? Booking a call is faster than this form.
This is a solicitation of insurance. A licensed insurance agent may contact you. What you send here is used to prepare your quote and to contact you about coverage. It is not sold or shared with anyone outside Rogers Agency LLC, other than a carrier if you choose to apply.
Licensing
I hold a resident license in Tennessee and non resident licenses in the rest of the states below, all under National Producer Number 20742240. Pick yours and I will start your quote there.
If your state is not on this list, ask anyway. I add states regularly. You can confirm any of this with your own state department of insurance using that producer number.
Contact
Health Insurance Advisor · Rogers Agency LLC
A quote for your household, and a straight answer about which route suits you best.