At Clear Path Health Advisors Inc.

We help individuals, families, and small businesses navigate their health insurance options by providing the best and most comprehensive solutions tailored to meet their needs.

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Clear Path Health Advisors Inc. is an independent health insurance agency

Clear Path Health Advisors Inc. is an independent health insurance agency focused on helping individuals, families, seniors, and small businesses make sense of health coverage. We specialize in Medicare, individual plans, and group benefits, offering personalized guidance to ensure every client finds the right solution for their needs.
 
Because we’re independent, we’re not tied to just one insurance carrier. That means our advice is always unbiased and centered on you. We compare options across multiple companies to find coverage that’s both comprehensive and cost-effective. Our goal is simple: to take the confusion out of health insurance, solve real coverage problems, and help you feel confident in the choices you make.

Strong Integrity

We do what’s right, even when no one’s watching.

Genuine Care

Simple, transparent policies you can actually understand.

Types of Insurance We Offer

Group Insurance (for businesses)

At Clear Path Health Advisors Inc., we help small businesses design and manage group health insurance plans that support both their employees and their bottom line. We understand that every business is unique, which is why we take a consultative, customized approach to building benefit packages that attract and retain top talent.

We offer a range of core group benefit solutions, including:

Group Health Insurance

Traditional and level-funded plans from leading carriers, customized to align with your company’s size, budget, and employees’ needs.

Affordable, high-value benefits that employees value and increasingly expect as part of a competitive compensation package.

We also provide guidance and resources in many additional areas and would welcome the opportunity to discuss your specific needs in more detail.

We manage plan comparisons, enrollment support, and ongoing service—so you can focus on running your business while we make sure your team is properly covered.

Individual & Family Insurance

At Clear Path Health Advisors Inc., we help individuals and families navigate the complex health insurance market to find coverage that best fits their needs and budget. Whether you qualify for financial assistance or prefer greater flexibility, we guide you through all available options.

We work with both on-exchange plans (through the government marketplace) and off-exchange plans (purchased directly from insurance carriers) to offer you the broadest range of choices. Our goal is to provide personalized advice and tailored solutions by comparing both on- and off-exchange plans—so you receive the best coverage for your health needs and financial situation.

Medicare Plans

At Clear Path Health Advisors Inc., we offer a comprehensive range of Medicare options designed to fit your healthcare needs and budget. As independent agents, we represent multiple top-rated insurance carriers and provide step-by-step guidance throughout the Medicare decision-making process.

We offer the following Medicare plans:

Medicare Advantage (Part C): All-in-one plans that often include
extra benefits like dental, vision, hearing, over-the-counter
allowances, and sometimes even gym memberships—bundled with your Medicare Parts A and B coverage.

Medicare Supplement (Medigap) plans help cover out-of-pocket costs that Original Medicare doesn’t pay, such as deductibles, copayments, and coinsurance. These plans let you see any provider who accepts Medicare, with fewer unexpected out-of-pocket costs.

Stand-alone drug coverage plans help lower the cost of your medications. We help ensure your plan covers the prescriptions you take and fits your pharmacy preferences.

Our goal is to simplify Medicare, educate you on your options, and help you confidently choose the plan that fits your lifestyle, doctors, and finances.

Why work with me?
Choosing the right insurance doesn’t have to be confusing or stressful.

I work as your advocate—providing clear, honest guidance and personalized solutions designed around your needs, budget, and goals. My priority is helping you feel confident, protected, and supported every step of the way.

I provide personalized, unbiased guidance tailored specifically to your unique needs.

I simplify the complex insurance process and explain your options clearly, so you can make confident, informed decisions.

I offer ongoing support and service—helping you not only during enrollment, but whenever your coverage needs change.

I’m committed to solving problems and helping you save money—whether you’re an individual, a senior, a family, or a small business owner.

As an independent agent, I have access to a wide range of carriers and plans to find the best fit—not just the easiest sale.

Frequently Asked Questions

When should I sign up?

I work with individuals who are approaching retirement and need help deciding whether to stay on their employer group plan if they continue working or transition to Medicare. I also help determine when to enroll if you are turning 65 and no longer working.

Medicare is a federal program. Part A is hospital insurance, and Part B is medical insurance—both provided by the federal government. If you choose to receive Social Security benefits, your Part B premium is typically deducted from your Social Security payment. If you do not take Social Security right away, you will pay your Part B premium directly to Medicare. Original Medicare generally covers about 80% of approved costs, leaving you responsible for the remaining 20%. I can help you enroll in either a Medicare Advantage plan or a Medicare Supplement plan with a separate prescription drug plan to help cover those remaining costs.
There are many important points to discuss. First, does your doctor accept Medicare? If you choose a Medicare Advantage plan, provider networks and in-network doctors are very important. If you choose a Medicare Supplement plan and your doctor accepts Medicare, the supplement simply follows Medicare’s coverage.

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Confused about your health insurance? Let us clear the path.