Skorheim Insurance Services

I’ve been away from this page for a bit. In the mean time, I’ve had a major health scare with blood clots in my lungs. Thankfully the doctors got that issue fixed!

Another bit of news, I am repping Excelsior Higher Care now. They have group health plans that has $0 Dr visits, specialists, labs, and imaging as well as a $0 deductible option. Crazy, huh? And best of all, the premiums are less than what you are paying for your high deductible plans!

Want to know more? Just reach out and I will be happy to fill you in on all the details…

Do you own a small business and want to offer benefits but feel like the cost is holding you back? I may just have some solutions that make sense for you and your business.

Looking for health insurance outside of the marketplace? I have some PPO plans with several deductible options you may be interested in.

Do you have a high deductible health plan? Many companies have raised the deductibles on their plan offering to keep premium costs down. This is all and good until you have a serious medical situation and have to pay that big up front deductible charge of $5k or more plus your copay amount. This can severely cripple a family financially.

The answer may just be in the form of a GAP plan. A gap plan is designed to pay that big up front deductible charge.

I have a true gap plan for employer groups and a plan that works very similarly for individuals.

Let’s talk about how to cover that big deductible hole you may have in your health coverage.

One of the best ways to attract and retain quality employees is by offering employee benefit programs. Offering health insurance is not cheap but then neither is constantly hiring and training new people.

Are you self employed or maybe just not offered benefits at work? I can help! I have Cigna and BC/BS PPO plans for individuals/families as well as disability, dental, vision, etc.

If you are looking, let me know!

Looking for Health Insurance? I have PPO plans on Cigna and Blue Cross networks with multiple deductible options to choose from.

To my self employed friends…. Are happy with your market place plan? Would you rather have a PPO on the Blue Cross network? We may just be able to make that happen!

Do you have a high deductible health plan? What happens if you have a serious medical situation and suddenly have to pay thousands of dollars for deductible and co-insurance? Do you have $5k-$10k or more stock piled for such an event? If not, GAP INSURANCE is a great way to cover those huge out of pocket expenses.

For my self employed friends out there…. Did you know there are disability options out there for you? Every working adult should have disability coverage for the “What If” in life.

ACA open enrollment has come and gone. Are you still looking for coverage? Didn’t like the plans offered? I have some individual PPO plans you may like!

Are you offered Gap insurance where you work?

Gap insurance will pay all or part of your deductible if you are hospitalized, have out patient surgery, get an MRI, etc..

The strategy with gap is to raise your deductible and supplement the plan with gap. It is much more cost effective to buy gap than to buy a low deductible plan.