Janet DiPietro Insurance Solutions

I’m sure you’ll agree it can be challenging to navigate the ever-changing world of health insurance. And yet, health insurance is a major purchase. It carries with it a promise to help protect your financial well-being. The wrong plan can be costly. So, how do you know you’re making the right decision and getting the best healthcare plans available at the most cost-effective rates? 

Working with us, as an independent health insurance agent, gives you options and provides you with expert advice. In fact, there are many advantages to working with an independent insurance agent.  We know it's a long list, but one we feel is important for you to know.

• We are licensed professionals – We are licensed by every State in which we sell health and life insurance. This makes us subject to State licensing laws which are extensive.  In addition to passing rigid licensing exams, we are required to pass ongoing continuing education to stay up to date  with the industry. We are also extensively trained by every carrier we represent.  A good agent will ask a lot of questions to assess your specific needs and match you to the health insurance carrier that has the best solution for you at the most affordable rates available. 

• We work for you at no cost – Because we are compensated by the insurance carriers we represent, our consultation services are always offered to you at no cost or obligation.

• We work for you, not the insurance carriers - We represent a variety of health insurance carriers so we can give you options and yet our loyalty is with you - our customer. Our job is to find the best carrier to meet your company’s needs.  With our knowledge, available resources and market expertise, we can often find you better value for your insurance investment  than you can find on your own.   Not to mention saving you the hassle and time of endless hours of  research. Let us do the hard work for you. We can find the right blend of coverage, service and price that fits your company’s employee healthcare needs.

• We offer the latest, innovative products on the market – It’s our job to keep up with the market and the many changes in healthcare that have taken place over the past few years. As most know, healthcare insurance costs have been on the rise for some time now. However, some carriers have introduced innovative alternatives to lower rates without sacrificing good coverage. A few examples of these lower cost plans we represent are self-funded plans for employee groups and indemnity plans for individuals and families. 

• We  are professional consultants – We not only find competitive pricing for you, we make sure you are adequately covered. Working with you face-to-face, we become your  professional consultant, taking the time to listen to you and understand your healthcare needs. We also know it’s not always about finding the lowest rates; it’s also about making certain you are appropriately covered.

• We are your advocate – In addition to your carrier’s customer service, if you have a billing or claim concern or need to change your coverage, we can be your advocate, working with the insurance company on your behalf.

• We are local; a part of your community – We are your neighbors…sharing your interest in the community. We are readily accessible to meet with you in person when you need us. 

• We offer a variety of supplemental benefits – In addition to your healthcare medical plans we can also help you find optional supplemental benefits. These might include dental, vision, short-term and long-term disability, a variety of indemnity plans such as critical illness and hospital indemnity, Medicare, long term care insurance, term life with living benefits and more.

• We  are your consultants for a lifetime, your go-to professional and friend – As we work together, over time we will get to know you. Healthcare needs can change. Reviewing your coverage every year will help us insure you continue to have the best plans in place to meet your current healthcare needs. If needed, we will start the process again and help you adjust as needed to insure you still have the right coverage and the right pricing that continues to meet your needs. We are committed long term to help you navigate through the ever-changing healthcare industry and through all the stages of life.