How it works
How Apex Health Advisors works.
No cost, no pressure, no call center. Here is exactly what happens when you reach out, who you talk to, and how we get paid. We think you should know all of it before you ever share a phone number.
The process
Four steps, one dedicated advisor
- 1
Tell us your situation
Reach out by phone, by text, or through our quick form. The form takes about 90 seconds and there is no account to create. Just tell us who needs coverage and what is going on right now. That is enough for us to get to work.
- 2
We reach out the same day and learn what matters to you
A licensed advisor contacts you the same day, usually within minutes during business hours. We ask a handful of questions, your doctors, your prescriptions, your budget, what did or did not work about past coverage, and we write it all down. You never have to repeat yourself, even if a different team member helps you later.
- 3
We compare the major carriers and walk you through it
We compare the carriers we are appointed with, not one company's shelf. Then we sit with you, often screen to screen, and go through your real options in plain English. Before you commit, we confirm your doctors and hospitals are in network and your prescriptions are covered, and we look at the total cost, not just the monthly premium. No jargon, no pressure.
- 4
You decide, we handle the paperwork, and we stay with you
If a plan is right, we handle the enrollment for you. If you are not ready, we leave you a written proposal to think it over. Either way, we become your point of contact, handling renewals, answering questions, and checking in so your coverage keeps fitting your life.
What we check for you
Before you enroll we check the plan against your real life, not just the price.
- Whether your doctors and hospitals are in the plan's network
- Whether your prescriptions are covered, and what they will actually cost you
- Any subsidies or savings you may qualify for and not know about
- The total yearly cost, premium plus deductibles and out-of-pocket limits, not just the sticker price
- Whether a lower-cost plan is genuinely a fit, or a gap that could leave you exposed
What to expect, and when
No waiting around. Most people go from first call to a plan they understand in a single sitting.
- Same day: a licensed advisor reaches out, usually within minutes during business hours.
- One conversation: we compare your real options together, often screen to screen, and answer every question.
- When you are ready: we handle the enrollment for you. No pressure to decide on the call.
- Coverage start: depends on the plan and timing, and we tell you the exact date before you sign.
What to have handy
None of this is required to start. It just makes the conversation faster and the comparison sharper.
- A list of the doctors and hospitals you want to keep
- The prescriptions you take, with dosages if you have them
- A rough estimate of your household income for the year (for the subsidy check)
- Details of any current plan, so we can compare apples to apples
- Key dates: a job ending, a 65th birthday, or a coverage end date
What it costs you: nothing
Your premium is identical whether you use us or buy direct. The carrier builds the commission in either way.
Carriers set aside an agent commission inside the premium whether or not you use an agent. Buy on your own and the carrier simply keeps it. Work with us and that same built-in amount covers our help, so the price you pay does not change.
And because we are independent, no carrier pays us more to steer you their way. We recommend what fits you, not what pays us best. If buying on the Marketplace yourself is genuinely your best move, we will tell you that too.
Your information stays yours
We contact you only about your coverage, keep a dated record of your consent, and never sell your information.
When you request a quote, we record your consent so a licensed advisor can contact you, and we keep that record with a date and time. We reach out only about your coverage and options, never to sell you something unrelated, and you can tell us to stop at any time. See our Privacy Policy for the details.We don't disappear at renewal
Plans renew every year. We review yours before it rolls over so it still fits.
Enrolling is the start of the relationship, not the end of it. ACA and Medicare plans renew each year, and we schedule a review during open enrollment to make sure your plan still fits before it rolls over. Private and supplemental plans vary by carrier, so we track your timeline and reach out when a review or renewal is due. You will not get lost in the shuffle.
Ready to see your options?
Tell us a little about your situation and a licensed advisor reaches out the same day, usually within minutes during business hours. No spam, no obligation.
This is a solicitation of insurance. A licensed agent may contact you.