Independent Advisors
919-862-0636 or 888-404-9939
8 Companies to Compare
Tips/secrets to get the best rates and extra services.
 
Positives
Get Wellpath Quote
Most popular plan designs in NC.  
Almost identical to Blue Cross Blue
Shield Blue Advantage plans, BUT
usually much less expensive.  In
addition all copay plans include vision
whereas only BCBSNC's most
expensive plans include vision.
Get Humana Quote
Two things that are big advantages for
Humana:  (1) They have no limit on
brand name prescription coverage
while BCBSNC & Wellpath both have
$2000 limit each year and (2) They
have a very large nationwide network.  
this is very good for people who travel
a lot.
Get Celtic Quote
Celitc is now a part of the MedCost
doctor/hospital network which is huge
in North Carolina.  We have yet to have
a client say that their doctor is not in
the MedCost network.
Get AMS Quote
AMS's parent company is
UnitedHealthcare and offers a
nationwide network.  Golden Rule is
another company owned by
UnitedHealthcare and their plans and  
rates are similar to AMS.
Get Assurant Quote
Assurant has the most plan options
and doctor networks to choose from
including the MedCost network.  
Assurant also goes by the name Time
insurance and John Alden
3 More Companies
 We represent 3 other companies that
either cannot quote online or won't
allow us to compare quotes online.  
Call us for details
Why buy from us?
Independent Advisors
vs. Buying Direct
  Ind.
Adv
 Dir.
Direct Prices*
(NC Law)
 Y
 Y
Comparison
Quotes
 Y
  
Tips to get the
lowest rates*
 Y
  
Online
Application
 Y
 Y
Paper
Application
(often easier)
Y
  
Insurance Co's
Customer
Service
Y
Y
Independent
Advisors'
Customer Serv.
Y
  
 
*Note:  By NC Law our
prices are the same
as buying direct.  
However, we know
some tips/secrets that
could save you money.
We represent you and
provide extra services
before and after the
sale that buying direct
can't provide
Bottom Line: In our
opinion, Wellpath's  health
plans are the closest to
what you are used to
having through an
employer.  Plus they are
usually the most cost
effective if you want full
comprehensive coverage.  
We can help you find less
expensive coverage, but
you usually have to give up
some coverage such as
Wellness Visits (i.e.
physicals, pap-smears),
Doctor & Prescription
Copays, Lab Work and
X-Ray coverage, ER visits,
or many other benefits.  
Confused?  Feel free to
call us to explain the small
print of all the companies
Got Kids?  Before you buy insurance for your children from
anybody, check here to see if you qualify (income wise) for
medical assistance from North Carolina.
"We are here to help.  A
quick call to us can save
you hours of frustration."
Eric Ferlito - Broker
Frustrated?  Let us do the search for you.  Call us or
click here to email us your information.  We will find
the best plans for you.