You spend hours comparing health insurance and still wonder: Did I make the right decision?
Will your doctors accept it? What will your prescriptions cost? How much could you owe if something serious happens?
Our $99 personalized healthcare consultation helps you answer those questions—and explore options you may not know exist.
At Sunflower Benefits Group, we do more than hand you quotes. We help you build a healthcare strategy around your life, your needs, and your budget.
The Premium Is Only Part of the Cost
The monthly premium is usually the first number people compare, but it’s only one piece of what you’ll pay.
A plan with a low premium may come with a high deductible, which means you cover more of your care out of pocket before the plan starts sharing costs. Copays and coinsurance shape what each visit or prescription costs you. The out-of-pocket maximum sets a ceiling on what you could owe in a year. And the network determines whether your preferred doctors and hospitals are covered at in-network rates.
We walk through each of these with you, using your doctors, prescriptions, and the way you use care, so you can see what a plan may cost when you actually use it.
Health Insurance Is Not Healthcare
Having an insurance card does not always mean getting care is easy or affordable. Can you get an appointment when you need one? Do you have a doctor who takes the time to listen? Are you putting off care because of the cost?
Those questions matter, too.
For some people, traditional insurance is the right fit. For others, a combination of approaches may make more sense.
One option we may explore is Direct Primary Care (DPC). With DPC, you pay a membership fee for a defined set of primary care services. That can mean longer appointments, easier communication, and a doctor who knows you. DPC is not insurance, but it can be part of a broader strategy that also addresses major medical expenses.
We Start With Your Life, Not a List of Plans
We meet by phone or Zoom to talk about your doctors, medications, budget, and what you wish were different about your healthcare.
From there, we research your options, explain the costs, benefits, and limitations, and send a written recap with pricing.
You do not need to arrive knowing what you want. That is what we are here to help you figure out.
Guidance Without the Pressure
If requesting insurance information online has left your phone ringing nonstop, we understand the hesitation.
We do not sell your information and we handle your personal health information in accordance with HIPAA privacy and security requirements. When we call to discuss your healthcare options, it will be Mary or Connie—not a call center.
Review our recommendations at your own pace. Ask questions. Talk with your family. We are here to help, not pressure you into a decision.
The $99 Is More Than Just One Conversation
Your one-time fee includes personalized research, follow-up questions and meetings, enrollment assistance, and ongoing support—including annual benefits reviews.
Our relationship does not end when you choose a plan. When questions come up or your needs change, you have a team to turn to at no additional consultation charge.
Should I Use a Broker to Get Health Insurance?
If you’d like help understanding and comparing your options, working with a broker can be worth considering. Ask what the service includes, whether there’s a fee, whether they look at alternatives like Direct Primary Care, and what support is available after enrollment.
Knowing what’s included can help you decide whether an approach is right for you.
Let’s Talk Through Your Options
You have enough on your plate. Figuring out healthcare should not feel like a full-time job.
Book your $99 personalized healthcare consultation with Sunflower Benefits Group.
Call 913-356-9494 or email info@sunflowerbenefitsgroup.com to get started.