Why Just the Facts Insurance Agency
Just the Facts Insurance Agency was born out of the need to provide reliable health insurance information to individuals just like you - regardless of whether you need an individual plan, a small group plan, or you have questions about a corporate plan. Maybe all you want is a catastrophic health insurance plan, and you are OK with paying for doctor's visits. Whatever your needs are, we want to ensure you have Just the Facts You Need to Protect Those You Love.
The focus is on you...
We have certified Health Insurance Advisors who - for a nominal fee - will sit down with you and review your healthcare needs and your financial situation to determine what would be the best situation for you. Advisors are not the same as Exchange Navigators. Unlike Navigators, Advisors are able to provide information on plans not offered by the exchange - they are NOT licensed agents. Advisors are also trained to consider your personal needs - not just what's on the exchange.
Because advisors aren't compensated by insurance companies, they have no financial incentive to recommend one type of insurance over another. Their certification requires that they take a fiduciary role with you to understand your needs and recommend what is best for you - and those you care for.
Aren't all agents advisors? Not necessarily. Many agents only sell what they are paid commission to sell, and what they are paid commission to sell may not be in your best interests. At Just the Facts, we take an Advisor + Agent approach.
Advisor + Agent
Our agents are the ones that compare the various health insurance options and enroll you in the marketplace if need be. Agents may also be advisors, but they are simply executing what the advisor has recommended.
Agents are licensed by the state and receive training from the companies whose products they sell. At Just the Facts we compare and sell the following products:
Individual Health Insurance
Small Group Health Insruance
Healthshare Programs (ACA Exempt)
Short Term Medical Plans
Indemnity Insurance Plans
Supplemental Insurance plans
Life Insurance Plans