We help individuals, families, and small businesses navigate their health insurance options and provide the best, most comprehensive solutions to meet their needs.
We do what’s right, even when no one’s watching.
Simple, transparent policies you can actually understand.
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:
Traditional and level-funded plans from leading
carriers, tailored to fit your company’s size, budget, and employee needs.
AƯordable, high-value options that employees
appreciate and often expect as part of a competitive benefits package.
There are many other areas where we can oƯer guidance
and resources, and we’d welcome the opportunity to discuss your specific
needs further.
We take care of plan comparisons, enrollment support, and ongoing
service—so you can stay focused on your business, while we ensure your team is covered.
At Clear Path Health Advisors Inc., we help individuals and families navigate the complex health insurance market to find the coverage that best fits their needs and budget. Whether you qualify for financial assistance or prefer more flexibility, we guide you through all available options.
We work with both on-exchange plans (through the government marketplace) and off-exchange plans (directly from insurance carriers) to oƯer you the broadest range of choices.
Our goal is to provide personalized advice and solutions by comparing both on- and off-exchange plans, so you get the best coverage for your health needs and financial situation.
At Clear Path Health Advisors Inc., we oƯer a full range of Medicare
options to help you find the plan that best fits your health and budget
needs. As independent agents, we represent multiple top-rated
insurance carriers and guide you through each step of the Medicare
decision-making process.
We oƯer 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: These plans help cover the
out-of-pocket costs that Original Medicare doesn’t pay, such as
deductibles, copayments, and coinsurance. They allow you to see any provider that accepts Medicare, with fewer out-of-pocket surprises.
Stand-alone drug coverage plans
that 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.
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 just at enrollment, but
whenever your coverage needs change.
I’m committed to solving problems and saving you money, whether you’re an individual, senior, family, or small business.
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.
I work with individuals that are looking at retirement and need to decide if they are going to stay on their group plan if they continue working or roll off to Medicare…I discuss when to sign up if you are turning 65 and not working anymore.
Medicare is a federal program. Part A is Hospital Insurance and Part B is Medical Insurance. Both of these come from the federal government. If you are going to take your social security then the premium for Part B would come out of social security…if you don’t take social security initially then you will pay the Part B premium to the federal government (CMS-center for medicare services). Medicare covers 80% leaving you with 20% unless you work with me to enroll in either an Advantage plan or a Supplement plan with a drug plan.
So many discussion points here. Does your doctor accept Medicare? If you go the advantage plan route then networks and doctors in network are very important. If you go the supplement route and they take Medicare then the supplement plan just follows Medicare.
Confused about your health insurance? Let us clear the path.
