After working for a Fortune 100 insurance company for more than a decade, I started John Lee Agency to offer my clients more health insurance choices. My goal is to simplify the insurance search and enrollment process so that you end up with a health or life plan that matches your individual needs.
I have conducted more than 3,000 in-home sales appointments, led hundreds of seminars, and have completed thousands of insurance enrollments. The one thing I know is that consumers need guidance with their health insurance choices. I work year-round to understand changes in the health insurance industry and newly available plan options all for the purpose of offering my clients the most current plan options with the richest benefits.
I am licensed in all 50 states and a contracted agent for numerous local and national insurance carriers such as Aetna, Allstate, Ambetter, Ameritas, American Equity, Anthem, Assurity Life, Blue Care Network, Blue Cross Blue Shield, CarePlus, CareSource, Cigna, Delta Dental, Devoted, EquiTrust, F&G, GeoBlue, GTL, HAP, Humana, LifeSecure, Medico (Wellabe), MediGold, McLaren, Molina, Mutual of Omaha, National Care Dental (NCD), National Guardian Life (NGL), Paramount Elite, Physicians Mutual, Priority Health, TransAmerica, Trinity Health, U of M Health, UnitedHealthcare, WellCare and Zing.
Call, text or email me today for a no cost and no obligation review of your insurance options.
Click the arrows below to learn about each type of insurance we offer.
Medicare Advantage Plan
Medicare or Medicaid?
You can choose to supplement your Medicare coverage. If you have Medicare and are enrolled in your state's Medicaid program, you may qualify for additional benefits.
A Medicare Advantage Plan is another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D). In many cases, you’ll need to use health care providers who participate in the plan’s network and service area for the lowest costs. These plans set a limit on what you’ll have to pay out-of-pocket each year for covered services, to help protect you from unexpected costs. Some plans offer out-of-network coverage, but sometimes at a higher cost. Remember, you must use the card from your Medicare Advantage Plan to get your Medicare-covered services. Keep your red, white, and blue Medicare card in a safe place because you’ll need it if you ever switch back to Original Medicare. If you join a Medicare Advantage Plan, you’ll still have Medicare but you’ll get most of your Part A and Part B coverage from your Medicare Advantage Plan, not Original Medicare.
Click to compare plan options now - Aetna, Anthem, Cigna, Devoted, Humana, Molina, UnitedHealthcare, and WellCare
Click to compare plan options now - Blue Care Network, Blue Cross Blue Shield, HAP, McLaren, MediGold, Priority Health, Trinity Health, U of M Health, and Zing
Medicare Supplement (Medigap)
Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. Medicare Supplement Insurance (Medigap) policies sold by private companies, can help pay some of the remaining health care costs for covered services and supplies, like copayments, coinsurance, and deductibles. Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. Generally, Medigap doesn’t cover long-term care (like care in a nursing home), vision or dental care, hearing aids, eyeglasses, or private-duty nursing.
Click to compare plan options now - Blue Cross Blue Shield (Michigan)
Under 65 Health Insurance
The Affordable Care Act (ACA) of 2010 (also known as Obamacare…a name President Obama liked and approved of) provides insurance coverage options without taking into consideration pre-existing health conditions. These plans are available to people who don’t have insurance coverage through an employer plan or state Medicaid benefits. Insurance subsidies from the federal government and cost share reduction to reduce out-of-pocket costs are important features of these plans that provide relief from the high cost of individual and family health insurance. There are also a number of short-term health plan options available if you need temporary coverage between jobs.
Click to compare plan options now
Medicare Part D Prescription Drug Plan
Medicare drug coverage helps pay for prescription drugs you need. Even if you don’t take prescription drugs now, you should consider getting Medicare drug coverage. Medicare drug coverage is optional and is offered to everyone with Medicare. If you decide not to get it when you’re first eligible, and you don’t have other creditable prescription drug coverage (like drug coverage from an employer or union) or get Extra Help, you’ll likely pay a late enrollment penalty if you join a plan later. Generally, you’ll pay this penalty for as long as you have Medicare drug coverage. To get Medicare drug coverage, you must join a Medicare-approved plan that offers drug coverage. Each plan can vary in cost and specific drugs covered.
Click to compare plan options now - Aetna SilverScript, Cigna, Humana, UnitedHealthcare and Wellcare
Dental Insurance
Dental insurance is an important component of your overall insurance needs. You will be more likely to keep current on your routine dental care if you have dental insurance in place. Dental insurance can be purchased as a stand-alone policy or in connection with under 65 individual health insurance or with Medicare Advantage and Medicare Supplement (Medigap) plans.
Click to compare plan options now - Delta Dental of Michigan
Click to compare plan options now - National Care Dental (NCD)
Indemnity Plans
Common indemnity plans are insurance products like Accident, Critical Illness (heart, stroke and cancer) and Hospital Recovery policies. You pay a monthly premium to the insurance company so that if you having a qualifying accident or illness, the insurance policy pays you directly so that you will have the money to pay the resulting doctor and hospital bills.
Click to compare plan options now - Blue Cross LifeSecure
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