Every Once in a while someone will something nice about the services we provide.

Here are just a few of the comments from of our clients


Good Morning Bob,
Just want to thank you so much for your help. I will refer you to everyone I know that owns there own business and has an individual policy. You were great!!! Maybe we can talk about life insurance next!
Natalie C.

I am sure that you are thrilled someone referred me to you. In fact, I wouldn't blame you if you stopped taking my calls at this point. Thanks!
Rachel L.

(Note: Rachel's situation was quite challenging and took me about 2 months to settle. We also had regular phone calls and emails during this time period. She had been trying for 4 months to make some changes to her plan to reduce the premium to something more manageable. With a lot of persistence, I was able to get her what she wanted and reduce her premium by 33%.)


My husband has “spina bifida occulta.” He had surgical correction at ~6 months old, has not had any problems, is quite active and ambulatory, and has not taken/is not taking any medication for the condition. He has COBRA until March through my former employer. We have held off from applying for private health insurance because of the risk of “decline” (and we have read many horror stories regarding what happens once you have a “decline” on your record…) We understand that he will be HIPAA-eligible at the end of COBRA and that he would be eligible for some kind of guarantee issue coverage, but we are not sure whether this would even be an “affordable” option (Would it cost even more than COBRA?!). So, when we came across your comment about spina bifida and (a major carrier, we were quite excited that this might actually be an option. We were even more pleased to find out that your office is actually in Atlanta (we live in Decatur)! We have further questions… (like: In your experience, even if (major carrier) gives us an offer, is it a given that it will be with a rider excluding all back problems?) We have never applied for private health insurance through an agent/broker…so we are a little unsure of what to do next. We would appreciate all the help we can get, especially since this doesn’t appear to be a simple “just apply on-line” situation… Would it be possible to set up an appointment with you to discuss our case and to apply for coverage? We would welcome any suggestions you might have and look forward to your reply. We can be reached at this e-mail address and at (404)xxx-xxxx. Thank you so much for your time. Sincerely, Paula (and Jerry) K
(Note: Jerry was issued a policy at standard rates, no waivers).


Thanks so much Bob, Will try to send you business from all my healthy friends. Look forward to meeting you some day after ski season ends. Appreciate all your help Debbie B.-


I will keep you in mind for the future and I will be sure to pass your name along to anyone looking for insurance. You have been so kind and helpful. We really appreciate it! Kristy G-


Hi Bob –
When I left the phone message I did not yet know you were able to get them to waiver the 10% increase, so now I understand I need to re-sign-off. How do I log in? Do I need a reference number. Is it the same as the policy number that was on the increased premium amendment I signed earlier or would it be different? Thanks again. YOU ARE GOOD. Lowell S.-

(Note: Lowell had some health issues that originally resulted in an increased rate from underwriting. Without Lowell's knowledge or prompting, I appealed the rate and the carrier backed off to a standard rate).


"You're Tops"!!!!
Shirley H.-


Hey Bob –
Thank you for taking all of these extra steps on our behalf.
Take Care,
Lisa G.-


Hi Bob, I saw your posts on Clark Howard's site, and poked around a bit on your site. I was wondering if you could steer me in the right direction. I have 2 daughters who recently aged out of my ins plan. The oldest has previous conditions, a few regular and expensive prescriptions, and has continued on an expensive COBRA plan. Her younger sister has waited until her COBRA option has expired and is now completely uninsured. We need to find the best plan for each of them. Thanks, Cindy S.-


Read the HSA “Go Figure” column. Just wanted to give you some feedback. You might recall that my wife had some reservations about the HSA for the Co-pay reason also and it took a little convincing to get her to switch. I have to say, so far so good, we have had only one doc visit so far but with the United negotiated rate the out of pocket was around $60.00. Considering the Tax discount of the HSA and the BCBS copay of $40.00 for a max of 6 visits per year, I think we’re just about break even.

Although my total out of pocket is still about $700.00 per month, $300.00 goes into my own savings account to pay for all Medical, Dental, and Drug related expenses, even contact lenses. I hope to fully fund the savings to the max this year and maintain it above the deductible in the future.
Wish we had done this 6 years ago, instead of sending money to BCBS I would have a chunk of money in the savings account.

I’ll let you know if there are any bumps in the road.

Bobby K.-
(Note: His total outlay for health insurance PLUS his HSA contribution is the same as he was paying to BCBS. The difference now is, he get's to KEEP the $300 additional monthly deposit for himself rather than giving it to BCBS.)

Thanks so much for your kind assistance.
Starting my own business is scary enough -I just want to make sure I get the right ins. for me.