Are Online Employee Benefits and Enrollment Right For You?
Open enrollment is daunting for everyone involved. Online enrollment saves time and money and makes the process easier for HR and for your employees.
Serving Florida and Texas for more than 35 years
Independent insurance advice you can actually get on the phone.
Insurance Products Inc. is an independent agency with over 35 years of experience as an Employee Benefits Consultant and Senior Advisor for all Medicare products. We don't look for just the lowest price or the fastest issue — we look for a carrier with a comprehensive benefit package and a real dedication to customer service.
What we do
Four lines of business, one agent who knows all of them
Our passion and dedication are twofold. To the senior market we have you covered with Medicare Supplement and Medicare Advantage plans. To the employer group we bring expertise in small group, large group, fully insured and self-funded.
Medicare Supplement Plans
Medigap coverage that pays the 20% Original Medicare leaves to you — with quotes from over 30 carriers and no cost for using us as your agent.
Learn more →Medicare Elections
Turning 65, retiring, or moving? We walk you through Initial Enrollment, the fall Annual Election Period, and the deadlines that cannot be undone.
Learn more →Employee Benefits
Small group, large group, fully insured and self-funded — plus a free online benefits and HR enrollment site for every group client, at any size.
Learn more →Life Insurance, Annuities & Long-Term Care
Competitive and complete life and annuity packages, long-term care, final expense, and hospital indemnity plans for both individuals and groups.
Learn more →Why work with us
Using us as your agent of record costs exactly the same as buying direct
We spend a lot of time analyzing and narrowing down the senior products and employee benefits we offer to our clients. To both markets we also offer dental, vision, hearing, final expense, specified disease, long-term care and hospital indemnity plans — plus competitive and complete annuity and life packages.
- Quotes from over 30 companies — plus free financial ratings for each one.
- Free rate-trend history reports so you can see which carrier has had the lowest increases.
- Annual rate shopping to keep you paying the least amount possible.
- Free claims support and help with appeals if Medicare denies a claim.
- Annual Part D renewal assistance and a full-time client service team.
- A free benefits and HR website for every group client, with no limit on size.
Articles
Straight answers to the questions we hear most
Why doesn't Medicare cover dental, hearing, and eyeglasses?
Routine dental care, hearing aids and eyeglasses are statutorily excluded from Original Medicare. The narrow exceptions, and how to cover the gap.
Is Medicare Part F Going Away?
Under MACRA, Medigap plans that pay the Part B deductible are closed to those newly eligible from 2020. What that means, and what Plans G and N do instead.
Talk to a real person about your options
Using Rusty von Sternberg as your agent of record costs exactly the same as buying direct — and you get quotes from over 30 carriers, annual rate shopping, and claims help for free.