You Have all the Options When Using a Local Health Insurance Agent...

Click on each product type above to view the corresponding product page

Questions? Text or Call Your Local Health Insurance Agent - Larry Medcalf at
1-833-645-2779

Independent Local Insurance Agent - I am a licensed independent local insurance agent with allegiance to no insurance company. We research the best carriers to find the most affordable options available in each county.

Availability - You can reach me all day directly via text or voice. We can travel to your home, local coffee shop or office in several cities and meet face to face at your convenience. I'm also available via virtual screen share on Zoom.

Price- Know you are getting the best price. You pay the same price regardless of how or where you buy a health insurance policy. With a local health insurance agent or without. Rates are regulated by each states local department of insurance.

Privacy - Most importantly, unlike most insurance websites, we do not sell your information to other agents or call centers who call non-stop. Only one health insurance agent will be your contact.

Explore ACA Health Insurance Coverage ____________________ Renewing ACA Coverage?

Click here and after that choose your current plan when prompted. Get the Coverage You Deserve With Pre-existing Conditions Covered.

Explore a Faith-Based Health Share Plan

Low Rate Plans for Non-Smokers and faith minded people.

Explore Dental and Vision Plans

Explore Medicare Options

Explore Short-Term Health Insurance & Travel Insurance

The Protection You Need Between Jobs and Life Events.

Group/Employer Alabama & Indiana
Health Insurance Coverage

By working with us, in many cases, your employees will receive a better health plan and receive financial protection they need with lower out-of-pocket expenses. We provide personalized services for each of your employees, working with each one to ensure they are in the right plan for their situation. Typical health insurance agent brokers only look at one route, buying group health insurance. I will explore all options including providing employees with guidance and subsidies on the federal exchange. We can also utilize HSA’s, HMA’s, HRA’s and supplements that allow your employees to meet higher plan deductibles. In other words, they’ll have little to no out of pocket cost.

Broad range of offerings:

Change Health Insurance Company – With this choice, they’ll be a minimal impact on employees and there’s a potential to save while still receiving the same benefits. A couple of drawbacks are that employees may need to switch doctors and the savings are typically only minor and in some cases only temporary.

Reduce Plan Benefits – This has the potential to lower premiums. However, employees may view this as a financial setback and employee morale may suffer as a result.

Redirecting & Supplement – This is where we increase deductibles and co-insurance but include products that help pay for these things in the event of an illness or accident. Many times employees are happy with these arrangements because when used correctly they can lower overall out of pocket cost. Employers are happy because it reduces overall premium cost. These plans must be communicated effectively. Without proper education and support the plans can be seen as a negative because of the higher deductibles on the health plan itself.

Utilize the Individual Market – Depending on the average employee’s adjusted gross income sometimes ending group coverage and directing employees to the Alabama & Indiana health insurance agent individual market can be a great choice. For lower to middle-income employees the price of an individual can be much lower than the price of a group policy and the options for plan coverage can be much greater. Even greater savings can be realized if the employer offers a small raise to employees entering the individual market. However, for individuals with incomes above 400% of the federal poverty line savings are rarely seen in the individual market making this option a bad choice for higher paid employees.

Join a HealthShare – Non-profit healthshares have seen tremendous growth recently and the reason is obvious, they’re affordable. We have saved employers upwards of 65% and more by switching them to Christian and faith-based healthshares. One drawback to this option is that they all have a statement of standards. Some are very basic and broad like you agree to treat your body well and treat others well. Most though have standards they want you to agree to that include some very hot social topics (like your view on abortion). For this reason, these products are not for everyone but for the right company there is an opportunity to save a bundle in monthly premiums.

Let us help you find the right health insurance agent option for you and your employees. As a local insurance agent I come to you anywhere in central and northern Alabama, Indiana and western Ohio. We also provide phone support to most other states. Just use the “Book an Appointment” tab at the top of this page. If you just have a question about Indiana or surrounding states health insurance options at this time feel free to call or text me at 317-296-8881. I look forward to helping you find affordable health coverage for your business.

Finding a New Doctor

Most of us dread looking for a new doctor. There are all kinds of reasons, moving to a new area, retirement, new health insurance network or you just aren’t happy with your current provider. No matter the reason, it’s something most of us try to put off until the last minute. When looking for a new doctor there is a lot to search for, does the doctor take your insurance, do you need a specialist, is it, someone, you can easily communicate with and the list goes on.

HealthGrades

Fortunately, there is help in the form of a website called HealthGrades. HealthGrades is sort of like Facebook for doctors. You can research their education, their specialties, get feedback from other patients and make sure they take your insurance. Give it a try with the tool to the right (if the tool doesn’t load on your browser, click the link) and start finding your next healthcare professional.

Free Rx Saving Card

InCareRx is a Free Rx Discount Card, with the lowest overall prices at most chains and is HIPAA compliant. You can save 15-25% on Brand name drugs, and at times over 90% on generic drugs, depending on the Rx you are prescribed! InCareRx Patient’s benefits: We have some of the highest overall savings of any other Rx card in the marketplace; this means you’ll pay the lowest overall prices on your prescription Rx drugs. With our card, you’ll receive the same low pricing at every participating pharmacy.

Keep Your Pharmacy

Use your local chain Pharmacy and keep using them knowing that you are receiving the lowest possible price available. We never disclose or sell patient information to any third party, it will not be released to anyone for any purpose. InCareRx Free Prescription Discount Card is HIPAA compliant.
Pharmacies Benefit Too- InCareRx will send your pharmacy more customers and keeps them as your customer: Your cash paying customers are very valuable, so don’t lose them to independent pharmacies because of the price… Wouldn’t you like your cash paying customers to keep coming to you each month? Partner with InCareRx.

Questions? Call or text me at 1-833-645-2779