DIAL 83-FLETCHER ( 833-538-2437 )
Some of Our Partners & Carriers ~ Not A Full Inclusive List!
Click Each Carrier Tab See 2026 Plans or Official Site Info.
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Click On Each Carrier's Photo To Visit Their Site & Plans!
Wellcare HealthCare Plans
Health insurance doesn't have to be complicated or expensive. At Fletcher Financial Insurance & Consulting Services, LLC , our highly trained licensed insurance consultants compare various health insurance plans designed to fit every budget. (Even if Your Budget is $0.00) Our expert team will help you navigate through your available options, ensuring you get the right coverage you need to maintain your health and well-being.
CHECK OUT THE NEW
WELLCARE HEALTH PLANS
FOR 2026
HERE:
https://wellcare.isf.io/2026/g/4a66109773ec4980b52f1713f1534f8b?AgentCreditCode=20821841
***FOR YOUR FREE MEDICARE GUIDE***
As Well As Other FREE Helpful Information!
*****CLICK HERE*****
https://www.planenroll.com/learning-center?purl=Kerry-Fletcher#all
Devoted HealthCare Plans
At Fletcher Financial Insurance & Consulting Services, LLC, we believe that quality health insurance should be accessible to everyone. That’s why our diligent health insurance consultants work extremely hard to find you the most competitive plans without compromising on your coverage and benefits. Our team is committed to helping you save money while ensuring that you have the protection and benefits you need. Let us help you find the most comprehensive plan that suits your specific needs for your overall well-being.
CHECK OUT THE NEW
DEVOTED HEALTHCARE PLANS FOR 2026
HERE:
https://www.planenroll.com/medicare/products?purl=Kerry-Fletcher
Humana Plans
At Fletcher Financial Insurance & Consulting Services, LLC , our Professional Medicare Insurance Consultants understand that every individual has unique needs. That's why we compare a very wide range and variety of comprehensive insurance coverage options tailored to protect you and your needs. From Accident & Health Insurance Plans via Medicare Advantage or Medicare Supplement to Life Insurance Policies, we ensure that you have the right protections in place. Let our Experts help you find the perfect coverage that suits your lifestyle and specific needs.
CHECK OUT THE NEW
HUMANA HEALTH PLANS
FOR 2026
HERE:
https://www.planenroll.com/medicare/products?purl=Kerry-Fletcher
United Healthcare Plans
At Fletcher Financial Insurance & Consulting Services, LLC , our Expert Health Insurance Consultants provide a wide range and variety of health insurance options tailored to meet your unique needs. Whether you're in search of Accident & Health Insurance via Medicare Advantage, Med. Supp. or Life Insurance, our team of experts is here to guide you through the selection process. We prioritize your peace of mind by ensuring you have the right coverage according to your specific needs to protect both yourself and your loved ones.
CHECK OUT THE NEW
UNITED HEALTHCARE PLANS
FOR 2026
HERE:
https://www.planenroll.com/medicare/products?purl=Kerry-Fletcher
Molina Medicare & Medicaid HealthCare Plans
Molina Medicare & Medicaid HealthCare Plans
We believe that quality insurance should be accessible to everyone. At F.F.I.C.S, LLC, our team of expert health insurance consultants works diligently to find you a variety of affordable plans (many at a $0.00/mo. cost to you) or flexible options to fit your budget and lifestyle. Our goal is to provide you with peace of mind without breaking the bank. Let our experts explore your many options that are available to you today.
CHECK OUT THE NEW
MOLINA HEALTHCARE PLANS
FOR 2026
HERE:
Anthem BC/BS Plans
Molina Medicare & Medicaid HealthCare Plans
Understanding insurance can be overwhelming, but at Fletcher Financial Insurance & Consulting Services, LLC, we simplify the process for you. Our highly trained Knowledgeable Medicare Insurance Consultants provide personalized professional consultations that listen to what your specific needs are and present all options available based on a thorough needs analysis. We take the time to explain the details, so you can make informed decisions about your insurance coverage and benefits. Your 100% satisfaction is our priority.
CHECK OUT THE NEW ANTHEM
BLUE CROSS/BLUE SHIELD, INCLUDING WELLPOINT & HEALTHY BLUE PLANS
FOR 2026
HERE:
https://www.healthsherpa.com/?utm_source=hsmedicare&_agent_id=FFICSLLC
agentsite.anthem.com/agentsite/ac/20821841
https://agentsite.wellpoint.com/agentsite/ac/20821841
https://agentsite.healthyblueplans.com/agentsite/ac/20821841
Aetna HealthCare Plans
At Fletcher Financial Insurance & Consulting Services, LLC, our Caring Health Insurance Consultants understand that every individual and business has unique insurance needs. Our comprehensive agents ensure that you have the right protections in place, whether you're looking for Medicare Advantage, Medicare Supplement, ACA (Affordable Care Act) personal/family or commercial insurance. We take the time to assess your situation and tailor a policy that fits your requirements perfectly.
CHECK OUT THE NEW
AETNA PLANS
FOR 2026
HERE:
https://app.thinkagent.com/ext?repid=20821841
Cigna HealthCare Plans
At Fletcher Financial Insurance & Consulting Services, LLC , we have expert knowledgeable Medicare Insurance Consultants who compare a variety of health insurance plans tailored to your individual needs. We assess several comprehensive coverage options to ensure you receive your well deserved medical care without breaking the bank. Whether you require personal or family coverage, our professional knowledgeable team will guide you through the selection process.
Take the first step towards peace of mind by allowing us to provide you with all of your tailored health insurance solutions for all of your specific needs!
Quick Note:
Cigna Healthcare is Now HEALTHSPRING
CHECK OUT THE NEW
CIGNA/HEALTHSPRING
MEDICARE PLANS
FOR 2026
HERE:
https://my.destinationrx.com/hub/s/S594CZTCA
CHECK OUT THE NEW
CIGNA/HEALTHSPRING
MEDICARE SUPPLEMENT PLANS FOR 2026
HERE:
CHECK OUT THE NEW
CIGNA/HEALTHSPRING
REGULAR SUPPLEMENT PLANS
FOR 2026
HERE:
Essence HealthCare Plans
At Fletcher Financial Insurance & Consulting Services, LLC, our clients are at the heart of everything we do. We pride ourselves on building lasting relationships based on trust, transparency, and communication. Our commitment to excellent customer service means that we are always here to answer your questions and address your concerns. Experience the Fletcher Financial Insurance & Consulting Services, LLC difference today!
CHECK OUT THE NEW
ESSENCE HEALTHCARE PLANS
FOR 2026
HERE:
Zing Health Plans
Your health is your greatest asset, and at Fletcher Financial Group, we specialize in comparing affordable health insurance plans to ensure you and your family remain protected. Many plans offer essential and maximum coverage alongside access to a network of healthcare providers, both in and out of network. Whether you're seeking Medicare Advantage, Medicare Supplement, Individual, Family, or Group Plans, our financial insurance consultants are here to provide you with all the options that cater to your specific needs and preferences. Start your journey to better health today.
CHECK OUT THE NEW
ZING HEALTH MEDICARE ADVANTAGE AND PRESCRIPTION DRUG PLANS FOR 2026
HERE:
https://www.sunfirematrix.com/app/consumer/ember/?sfpath=zng&sfagid=20821841
Highmark BC/BC Plans
At Fletcher Financial Insurance & Consulting Services, LLC, we pride ourselves on providing personalized insurance support you can count on. Our team of dedicated agents is here to answer your questions and assist you in finding the right coverage for your needs. We believe that understanding your insurance is key to making informed decisions, and we are committed to helping you every step of the way.
CHECK OUT THE NEW
HIGHMARK BC/BS PLANS
FOR 2026
HERE:
Affordable Care Act Individual & Family Plans
Protect your health with customized insurance solutions from Fletcher Financial Insurance & Consulting Services, LLC , a trusted name among health insurance consultants. We understand that every individual and every family is unique, which is why we work closely with you to assess your concerns and guide you to obtain great or adequate ACA coverage that meets your needs or those of your entire family. From Accident & Health to Life Insurance, we help safeguard your future from the many perils that may be unseen at the moment.
CHECK OUT THE NEW
ANTHEM BLUE CROSS/BLUE SHIELD (Including Wellpoint & Healthy Blue Plans)
AFFORDABLE CARE ACT (A.C.A.) PLANS
FOR ALL STATES AVAILABLE IN 2026
HERE:
https://www.healthsherpa.com/?_agent_id=FFICSLLC
Anthem will continue to offer Affordable Care Act (ACA) plans for 2026, with some state-specific changes like joining the MyCare Ohio program and new Virtual Access Plus plans. It is crucial to update your Marketplace application with current income and household information, as the COVID-19-era savings ending in late 2025 may impact eligibility and costs for 2026 plans. You can compare and enroll in Anthem's 2026 plans through the website below:
Key things to know for 2026
- New plan options: Anthem is introducing new Virtual Access Plus plans that feature predictable costs by using copay-centric models, eliminating coinsurance uncertainty for members.
- Program changes: In Ohio, Anthem will join the MyCare Ohio program, consolidating its offerings.
- Enrollment guidance:
- Update your application on HealthCare.gov with your latest income and household information.
OR...
IF YOU ARE STARTING A NEW APPLICATION AND DO NOT ALREADY HAVE ANY PREVIOUS INFORMATION IN THE SYSTEM AT ALL,
CLICK HERE: https://www.healthsherpa.com/?_agent_id=FFICSLLC
TO START A NEW APPLICATION.
- The end of temporary pandemic-era rules means your 2026 premium may change.
- If your income or household changes, update your application. If you don't, your tax credit may be estimated based on outdated information, notes HealthCare.gov.
- For specific details and plan comparisons, visit the Anthem website or your state's official marketplace.
- Plan categories:
- Anthem offers various plan categories, including Bronze, Silver, Gold, and Platinum, each with a different cost-sharing structure where the plan pays a certain percentage and you pay the rest.
- For example, a Gold plan typically has you paying 20% of the costs, and the plan pays 80%, per Anthem.
- Important for some members:
- Anthem will stop offering its stand-alone Part D prescription drug plans in 2026. Members will need to find a different Part D plan, although prescription coverage is included in Medicare Advantage and other comprehensive plans, notes This YouTube Video.
- Some Blue Cross Blue Shield plans are discontinuing coverage for certain weight-loss medications in 2026 to help control costs, which may be relevant depending on your location and plan, according to the Peterson-KFF Health System Tracker.
What to do now
- Review your 2025 plan to see if it will continue to meet your needs in 2026.
- Update your 2026 application on HealthCare.gov to ensure your premium tax credits are calculated correctly based on your current information.
- Use the Anthem website here: https://www.healthsherpa.com/?_agent_id=FFICSLLC to compare 2026 plans available in your area and find one that fits your health needs and budget, recommends Anthem.
- Enroll during the open enrollment period, which ends on different dates depending on your state.
What Exactly Is Insurance & Why You Need It?
Great Insurance Prepares You For Life's Unexpected Perils!
Turning 65 or disabled and in need of Accident & Health Insurance via A Medicare Advantage or Medicare Supplement Plan? Maybe You're Interested in The ACA, (Affordable Care Act) Insurance for Yourself or for Your Family. We Compare ALL of Your Options Available to you for FREE ! Available Exclusively for YOU & Your Family from the #1 Insurance Agency you can Trust, Fletcher Financial Insurance & Consulting Services, LLC. Navigating insurance can sometimes be challenging. Established in 1971, Fletcher Financial Insurance & Consulting Services, LLC, is a Nationwide Insurance Agency offering a variety of insurance products and consulting services. We provide Health & Accident Insurance through Medicare Advantage Plans, Medicare Advantage Prescription Drug Plans, Medicare Supplement Plans, different Types of Life Insurance Policies. We are also excited to announce that we will be expanding into other insurance products, such as Auto Insurance and Property & Casualty Insurance.
*****REQUIRED DISCLOSURE*****
We do not offer every plan available in your area. Currently, we represent 15 organizations that provide 2,352 products in your area. Please reach out to Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to explore all your options.
Fletcher Financial Insurance And Consulting Services, LLC,
DBA ~ F.F.I.C.S, LLC.
DBA ~ Fletcher Accident & Health Insurance Agency (In California)
Nor its agents are connected with, nor endorsed by the U.S. Government or The Federal Medicare Program.
Https://FletcherFinancial.Llc is operated by Fletcher Financial Insurance & Consulting Services, LLC, a Licensed Health Insurance Agency/Brokerage in the State of Ohio.
License # ~ 1588588 & 1539561
NPN # ~ 21220782 & 20821841
At Fletcher Financial Insurance & Consulting Services, LLC, We Believe in Providing Comprehensive Insurance Solutions Tailored to YOUR SPECIFIC NEEDS! Our Mission is to Ensure That YOU and YOUR FAMILY Have the Protections You Deserve Whether You're Here in Columbus, Ohio Or Nationwide Within One of the Other 25 States We're Professionally Licensed in to Provide Outstanding Service.
Professionally Licensed In:
OH, AL, AR, AZ, CA, FL, GA, IL, IN, KY, LA, MD, MI, MO, MS, MT, NC, NJ, NM, NY, OK, PA, SC, TN, TX, and VA.
#FFICSLLC
#FFICLLC
#FFICLTD
#FletcherFinancial1971
#FletcherFinancialInsuranceAndConsultingServicesLLC
Did You Know That...
AEP Medicare, which stands for the Annual Enrollment Period, is a crucial yearly window from October 15th to December 7th of each year. During this time, Medicare beneficiaries can make changes or enroll in Medicare Advantage (Part C) and/or Part D prescription drug plans for the upcoming year. With the guidance of our professional insurance consultants, you can navigate your options effectively. During AEP, you have the flexibility to switch between Original Medicare and Medicare Advantage, change Part D drug plans, or move to a different Medicare Advantage plan. Any changes made during this period will take effect on January 1st of the following year.
What you can do during AEP:
- Enroll in a new Medicare Advantage plan or drop your current one to return to Original Medicare.
- Switch to a different Medicare Advantage plan.
- Change or join a Medicare Part D plan for prescription drug coverage.
- Review your current coverage to ensure it aligns with your health and budget needs for the upcoming year, with assistance from the Insurance professionals at Fletcher Financial Insurance & Consulting services, LLC.
Key Dates:
- October 15th: You can begin reviewing plans and making changes.
- December 7th: This is the final deadline to make any adjustments to your Medicare Advantage or Part D plans.
- January 1st: Your new coverage officially begins.
Why AEP is important:
Medicare Advantage and Part D plans can alter their costs, benefits, and provider networks for your doctors and specialists annually. AEP provides you with the opportunity to assess whether your current plan still meets your needs or if a different plan would be a more suitable option. Here at Fletcher Financial Insurance & Consulting Services, LLC, We Ensure you have the support you need with the assistance of our professional highly trained and knowledgeable licensed insurance consultants.
Did You Know That...
In Medicare, "OEP" refers to "The Open Enrollment Period," specifically the "Medicare Advantage Open Enrollment Period." This is a crucial time frame when individuals enrolled in a Medicare Advantage plan can switch to a different plan or return to Original Medicare. This period typically runs from January 1st through March 31st each year. Our specialized health insurance consultants often emphasize the importance of understanding OEP for effective plan management. Key points about OEP include:
Who can use it: People already enrolled in a Medicare Advantage plan.
What you can do during OEP: Switch to another Medicare Advantage plan or return to Original Medicare, with the option to enroll in a standalone Medicare Part D prescription drug plan.
When it happens: Usually from January 1st through March 31st of each year.
OEP, or The Medicare Advantage Open Enrollment Period, is an annual window for current Medicare Advantage plan members to either switch plans or return to Original Medicare, with or without a drug plan. For 2026, this period will again run from January 1 through March 31. Additionally, there is a broader "Medicare Annual Enrollment Period" (AEP) from October 15th to December 7th, during which most Medicare beneficiaries can make plan changes that take effect on January 1st of the following year.
What is the Medicare Advantage OEP?
Who it's for: People already enrolled in a Medicare Advantage plan (Part C).
What you can do:
- Switch to a different Medicare Advantage plan.
- Drop your Medicare Advantage plan and return to Original Medicare.
If you return to Original Medicare, you can also enroll in a Medicare Part D prescription drug plan.
When it is: January 1st to March 31st of each year.
Key things to remember:
- You cannot switch from Original Medicare to a Medicare Advantage plan during this OEP; you must wait for the Annual Enrollment Period.
- Changes you make during the Annual Enrollment Period (October 15th - December 7th) take effect January 1st of the next year. For personalized assistance, consider reaching out to Fletcher Financial Insurance & Consulting Services, LLC. Our professional highly trained licensed agents can provide guidance on navigating these periods.
Well...What's the Difference?
How is the Medicare Advantage "Open Enrollment Period" (OEP) Different From the Medicare "Annual Enrollment Period" (AEP)?
The main difference between Medicare Advantage Open Enrollment and Medicare Annual Enrollment is who can use each one. Medicare Annual Enrollment is when anyone who has Medicare can make coverage changes for the upcoming year, while Medicare Advantage Open Enrollment is only for people who are currently enrolled in a Medicare Advantage plan.
Another difference between the two is the timing. Medicare Annual Enrollment is October 15th - December 7th, while Medicare Advantage Open Enrollment is January 1st - March 31st. Both happen every year.
The Medicare Annual Enrollment Period (AEP), from October 15th to December 7th, allows anyone with Medicare to switch between plans, including enrolling in a Medicare Advantage plan, changing Part D plans, or moving back to Original Medicare.
The Medicare Advantage Open Enrollment Period
(MA-OEP), from January 1st to March 31st, is for current Medicare Advantage enrollees to make one change, either switching to a different Medicare Advantage plan or returning to Original Medicare and adding a Part D plan. Our knowledgeable licensed insurance consultants, here at Fletcher Financial Insurance & Consulting Services, LLC can help navigate these options for you effortlessly.
Medicare AEP ~ ANNUAL ENROLLMENT PERIOD
(October 15th – December 7th)
Who can change plans? Everyone eligible for Medicare.
What changes can be made? You can enroll in or disenroll from a Medicare Advantage plan, change between Medicare Advantage plans, join, drop, or switch Part D prescription drug plans, and move from Original Medicare to Medicare Advantage or back to Original Medicare.
Key feature: Broad changes and multiple changes are allowed.
Medicare OEP or MA OEP ~ MEDICARE ADVANTAGE OPEN ENROLLMENT PERIOD
(January 1st – March 31st)
Who can change plans? Only individuals currently enrolled in a Medicare Advantage plan.
What changes can be made? You can make one change by either switching to a different Medicare Advantage plan or dropping your current Medicare Advantage plan to return to Original Medicare.
Key feature: This is a more limited period for those with Medicare Advantage to fix a plan that Is Not Meeting Their Needs!
In Summary:
AEP is for everyone: and offers a wide range of changes.
MA OEP is for current Medicare Advantage members: to make one change to their plan or to disenroll from Medicare Advantage.
ARE YOUR PRESCRIPTIONS & OTHER NECESSARY HEALTHCARE COSTS DIGGING TOO MUCH INTO YOUR PERSONAL FINANCES?
See If You Qualify For A $0.00/Mo. Premium Medicare Advantage Prescription Drug Plan (MAPD) Today...!
Most Plans Come With A $0.00 Cost out of Pocket for Prescription Drug Coverage For The Majority Of Your Prescriptions.
MOST PLANS ALSO INCLUDE:
Dental Coverage for Routine Cleanings & Maintenance, Implants, Crowns, Bridges & Dentures.
Vision Coverage For Eye Glasses (Lenses & Frames) Even No Cost Included Upgrades Like Transitional Lenses, Anti-Glare & Anti-Scratch Lenses, Bifocal and Trifocal Lenses Or Contacts, (Disposable or Permanent).
Hearing Coverage For Routine Hearing Exams & Hearing Aids.
Flex Benefits ~ Like Grocery & Over-The-Counter (OTC)
Benefits.
These Benefits Can Be Used to Purchase Groceries for Yourself and Your Family, As Well as Over-The-Counter Items, Like Items You May Purchase From A Kroger's, Walmart, CVS or Walgreens Type of Store; Things like Toothpaste, Deodorant, Band-Aids, Paper Towels, Soaps & Shampoos, Necessary Items You Would Normally Use Your Own Cash For....Etc.
These Flex Cards Can Also Cover Your Utility Payments...Like Your Electric Bill Or Natural Gas Bill,
Water Bill...Even Your Monthly Mobile Phone Service Bill.
Some Plans Even Include Benefits To Help Pay Your Rent Or Mortgage Payments.
Also, In Some Cases and Within Some Plans, There Are Flex Benefits Available for Your Pet's Food!
***ASK ABOUT HOW TO GET BACK THE PROJECTED $202.90 MEDICARE PART-B PREMIUM FOR 2026***
The 2026 Medicare Part B standard monthly premium is $202.90, a rise of $17.90 from 2025. The amount may be higher for individuals with a modified adjusted gross income over a certain threshold. The annual Part B deductible will be $283 for 2026, an increase of $26 from the previous year.
- Standard Premium: $202.90 per month.
- Annual Deductible: $283.
- Income-Related Adjustment: Higher premiums will apply to those with incomes above certain limits ($109,001 for individuals or $218,001 for joint filers) based on their 2024 tax return.
SEE THE CMS.GOV NEWSROOM
FACT-SHEET REPORT
HERE:
For More Information on Medicare Part-B Reimbursement Plans, Contact Your #1 Trusted Health Insurance Consultants, Today!
Fletcher Financial Insurance & Consulting Services, LLC.
Dial 83-FLETCHER ( 833-538-2437 )
OR
Click Here to Start the Process of Finding Out All of Your Available Options at
ABSOLUTELY NO COST TO YOU !
https://www.planenroll.com/medicare/products?purl=Kerry-Fletcher
By Tapping the "Lets Get Synced" Button, this Starts the Process of Getting Connected With One of Our Licensed Insurance Professionals Who Can Better Inform You of All the Benefits & Options Available to You.
***Please Type in Your Residential Zip-Code to Populate All the Plans Available to You.***
Once Your Information Has Been Inputted Into the System, We Can Help You Maximize The Benefits Of Your Current Plan Or Even Help You to Find A New Plan (If You Choose) That Fits YOUR Specific Needs!
GETTING SYNCED
AND IMPUTING YOUR INFORMATION
***** WILL NOT *****
AUTOMATICALLY ENROLL YOU
INTO A NEW PLAN
NOR
CHANGE YOUR EXISTING PLAN OR COVERAGES.
About Us!
We Are Fletcher Financial Insurance & Consulting Services, LLC.
Turning 65 or disabled and in need of Accident & Health Insurance via A Medicare Advantage or Medicare Supplement Plan? We Compare ALL of Your Options Available to you for FREE ! Available Exclusively for YOU & Your Family from the #1 Insurance Agency you can Trust, Fletcher Financial Insurance & Consulting Services, LLC. Navigating insurance can sometimes be challenging. Established in 1971, Fletcher Financial Insurance & Consulting Services, LLC, is a Nationwide Insurance Agency offering a variety of insurance products and consulting services. We provide Health & Accident Insurance through Medicare Advantage Plans, Medicare Advantage Prescription Drug Plans, Supplemental Plans, different types of Life Insurances, and wealth assets in the form of Precious Metals. We are also excited to announce that we will be expanding into various types of other insurance products, including Auto and Property & Casualty Insurance.
*****REQUIRED DISCLOSURE*****
We do not offer every plan available in your area. Currently, we represent 15 organizations that provide 2,352 products in your area. Please reach out to Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to explore all your options.
Fletcher Financial Insurance And Consulting Services, LLC,
DBA ~ F.F.I.C.S, LLC.
DBA ~ Fletcher Accident & Health Insurance Agency (In California)
Nor its agents are connected with, nor endorsed by the U.S. Government or The Federal Medicare Program.
Https://FletcherFinancial.Llc is operated by Fletcher Financial Insurance & Consulting Services, LLC, a Licensed Health Insurance Agency/Brokerage in the State of Ohio.
License # ~ 1588588 & 1539561
NPN # ~ 21220782 & 20821841
At Fletcher Financial Insurance And Consulting Services, LLC, We believe in providing comprehensive insurance solutions tailored to your specific needs. Our mission is to ensure that you and your family have the protections you deserve, whether you're in Columbus, Ohio, or in one of the other 25 states we are licensed to serve with outstanding service.
Professionally Licensed In:
OH, AL, AR, AZ, CA, FL, GA, IL, IN, KY, LA, MD, MI, MO, MS, MT, NC, NJ, NM, NY, OK, PA, SC, TN, TX, and VA.
#FFICSLLC
#FFICLLC
#FFICLTD
#FletcherFinancial1971
#FletcherFinancialInsuranceAndConsultingServicesLLC
Why Choose Us?
1.) Independent and Unbiased Guidance
We Work for You, Not the Insurance Companies!
"As an independent brokerage, our sole focus is on finding the most comprehensive (We're Not Allowed to Say Who's Best) plan for your unique situation, not pushing a specific carrier's products & Services. We provide unbiased recommendations based purely on your needs and budget. (even if your budget is $0.00)"
Access to a Very Wide Range of Carriers:
"We represent multiple insurance companies, giving you access to a wide array of options. This ensures we can compare plans objectively to find the perfect fit, rather than being limited to one provider."
2.) Expert Knowledge and Education:
Medicare, ACA & Life Insurance Experts at Your Service:
"Our licensed agents are highly trained professionals with extensive knowledge of the complex Insurance landscape and its annual changes. We'll help you navigate the rules and regulations so you don't have to."
Clarity in a Confusing Market:
"We cut through the 'noise' of official-looking mailers and confusing terminology you may receive whether by mail or via by telephone, positioning ourselves as educators who provide clear, helpful information to empower you to make informed decisions."
3.) Personalized and Ongoing Support:
"Tailored Solutions for Your Needs: We take the time to understand your specific doctors, prescriptions, lifestyle, and budget to provide personalized coverage solutions that are right for you, not just the most popular option."
Long-Term Partnership:
"Our relationship doesn't end after enrollment. We'll reach out to you periodically during Several Different Enrollment Periods to review your current plan and ensure it still meets your needs, adapting as your health or the market changes."
4.) Enhanced Client Experience:
Seamless and Stress-Free Enrollment:
"We simplify the entire process, offering easy-to-use digital tools and concierge-level customer service via telephone to help with everything from questions, to comparing options to final enrollment, reducing stress to you, paperwork and hassle."
A Focus on Integrity & Value, Not Just Sales:
"We prioritize building trust and a strong reputation through responsive, empathetic service. Our goal is to be your most trusted resource, known for Integrity, Patience and Guidance, not just for closing a sale."
5.) Specialized Focus: (Our REQUIRED Niche)
"We Specialize in Your Community: (Wherever You Live)
By focusing on specific your specific local needs
(doctors, specialists, pharmacies, hospitals, gyms, services, etc... ) which is Imprinted into our caring culture!
Fletcher Financial Insurance & Consulting Services, LLC,
DBA ~ F.F.I.C.S, LLC.
DBA~ Fletcher Accident & Insurance Agency (In California)
offers targeted expertise by being extremely thorough with each and every individual, family, beneficiary and policy holder that other generalized agents may miss, ensuring you get the most precise support & benefits you qualify for and deserve!"
Client-Centric Approach!
What We Do ~ Pre-Enrollment
Active Listening & Thorough Needs Assessment:
Instead of immediately presenting plans, Our Agents First Actively Listen to the Client's Concerns, lifestyle, preferred doctors, medications, and budget. A comprehensive assessment identifies what truly matters to the individual (e.g., a grocery & over-the-counter card, included gym member benefits, vision,dental & hearing coverage, or a broad provider network to see any doctors or specialists you choose).
Educational Events:
Hosting free, informative seminars and community events (separate from sales pitches) whether live in-person or via the web, helps educate beneficiaries about how Medicare, Med. Supp; & ACA (The Affordable Care Act) work, positioning Fletcher Financial Insurance & Consulting Services, LLC as a helpful, trusted resource rather than just a sales entity.
Simplifying Complexity:
Breaking down overwhelming information, such as the differences between Original Medicare and Medicare Advantage and ACA subsidies into simple, easy-to-understand language which empowers beneficiaries & clients to make informed decisions.
Transparency and Honesty:
Clearly explaining All that each and every plan has to offer, outlining potential plan limitations or exclusions, and only recommending Necessary Coverages that you may not have thought of, builds A Foundation of Trust. This means not overselling "top-of-the-line" coverage if a more cost-effective plan better fits the client's actual needs.
What We Do ~ Post-Enrollment = Ongoing Support!
Proactive Benefit Education:
Many clients are unaware of their plan's extra benefits (e.g., over-the-counter allowances, meal delivery, transportation, utility assistance, etc...). Proactively reaching out to remind them to use these perks shows ongoing value beyond the initial enrollment.
Year-Round Check-ins:
We Maintain regular communication throughout the year, not just during the Annual Enrollment Period (AEP) Or The Open Enrollment Period (OEP). Quarterly or bi-annual check-ins help identify if the client's needs have changed due to new health concerns, budget shifts, or moving to a new location.
Dedicated Support:
We Ensure clients & beneficiaries have a direct line to a Live Human Representative for questions or issues, avoiding the frustration of complex phone prompts. We do utilize some AI (Artificial Intelligence) chats & bots, but rest assured that you will always have the opportunity to speak with someone Real!
Assistance with Navigation & Problem-Solving:
We Offer hands-on help with common challenges like finding out if your preferred hospital is considered (In Network) or a different hospital if you are traveling, finding in-network providers, or understanding how to save money on prescriptions by using a preferred pharmacy.
Personalized Communication:
We Use a Customer Relationship Management (CRM) system to track client preferences (e.g., communication via A phone call, email or sms text messaging) and past conversations, enabling tailored outreach that Is Personal rather than generic.
Gathering Feedback:
We also Regularly ask clients for anonymous feedback through surveys and reviews on Google to identify blind spots in service and show that their opinion is valued.
TRUSTED BY MANY ~ OUR INTEGRITY IS PARAMOUNT!
See Our A+ Rating With The BBB
Integrity Definition:
Integrity is the Quality of Being Honest and Adhering to Strong Moral Principles and Moral Uprightness. For our Licensed Professional Health Insurance Consultants at Fletcher Financial, Integrity Signifies Doing the Right Thing, Even When Faced With Challenges And Even When No One is Watching!