Individual Health Insurance You Can Afford!

Understanding or Health Insurance benefits will ultimately save you money, time and frustration.

Our focus is benefit education providing you confidence by knowing exactly how your benefits work & what your financial responsibility is. Once your policy is place your dedicated agent is only a phone call away.


  Nationwide Network… PHCS Multi Plan offers 900,000 providers Nationwide. Use our network and save 40-60% or cash pay and get reimbursed often more than you paid!

  $5,000,000 Life Time Maximum Policy… Unless you’ve been there, it’s difficult to imagine the devastation of a life-altering diagnosis. Concern for medical bills can be an ongoing factor. We can help you arrange for steady, lifetime income** and principal protection. What’s more, there are annuity contracts or riders** that provide increased income* – potentially double or triple – for qualifying healthcare conditions.

 Flexible Plan Options… Whether you’re a child holding a Power of Attorney, or a parent planning to turn over control in the coming years, there are many considerations regarding the goals and assets involved. As your financial professionals, we can streamline that discovery process. We will work with you to address many of your concerns. We want you to enjoy the time you get to spend with your family.

 Teledoc Included At No Extra Charge… Teledoc provides a convenient alternative to Urgent care and ER visits


  Concierge Services… Karis 360 – Concierge service offers a team of advisors by phone to assist you in maximizing your benefits. No matter where you are in the USA you have benefit assistance.

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