Health Broker Associates

19810 Mack Avenue
Grosse Pointe Woods, Michigan 48236

Services

SCOPE OF APPOINTMENT (1st Step in the Medicare Process)

5 minsFree

Before we begin your Medicare review, we are required to complete a Scope of Appointment (SOA) form. This form lets you identify the specific Medicare topics you want to discuss—such as Medicare Advantage, Prescription Drug Plans, or Medicare Supplements—and ensures the appointment stays focused on the information you request.

During this brief SOA process, you’ll:

Review the list of Medicare plan types

Select the topics you want covered during your appointment

Confirm that you understand this form is not an obligation to enroll

Once your SOA is completed, we can move forward with your personalized Medicare review. This helps protect you, keeps the meeting compliant with Medicare guidelines, and ensures we only discuss the plan types you choose.

This step is quick, simple, and required for all Medicare plan review appointments.

Medicare AEP (Annual Enrollment Period) Reviews

30 minsFree

Turning 65 Soon (Medicare)

30 minsFree

This appointment is designed for individuals approaching age 65 who want clear, personalized guidance on enrolling in Medicare. During this visit, we review your upcoming Medicare eligibility, walk through your 7‑month Initial Enrollment Period, and help you understand the differences between Medicare Parts A, B, C, and D. We also discuss how your doctors, prescriptions, and health needs fit into your coverage options.

Medicare (Special Enrollment Request) SEP

30 minsFree

This appointment is designed for Medicare beneficiaries who qualify for a Special Enrollment Period (SEP) and need to review or update their coverage outside of the standard enrollment windows. SEPs allow you to make changes to your Medicare Advantage (Part C) or Prescription Drug Plan (Part D) when certain life events occur — such as moving, losing employer coverage, changes in Medicaid eligibility, or other qualifying circumstances.

Medicare (Original Medicare) Adding Medi-Gap Supplements

30 minsFree

This appointment is designed for individuals enrolled in Original Medicare (Parts A & B) who want clear, personalized guidance on adding a Medigap (Medicare Supplement) plan. Medigap policies help cover out‑of‑pocket costs such as deductibles, copayments, and coinsurance — giving beneficiaries more predictable healthcare expenses and greater peace of mind.

During your Medigap Review Appointment, we walk through how Original Medicare works, what gaps it leaves, and how different Medigap plans (A–N) fill those gaps. We’ll review your doctors, medical needs, and budget to determine which plan best fits your situation. If you’re in your Medigap Open Enrollment Period, we’ll explain how guaranteed‑issue rights protect you from medical underwriting. If you’re enrolling outside that window, we’ll discuss underwriting requirements and what to expect.

Medicare Special Enrollment Plans (DSNP, CSNP, ISNP)

30 minsFree

This appointment is designed for Medicare beneficiaries who qualify for Dual Special Needs Plans (DSNP) or Chronic Special Needs Plans (CSNP) and need clear guidance on their coverage options during a Special Enrollment Period (SEP). SEPs allow eligible individuals to make changes to their Medicare Advantage or Part D coverage outside of the standard enrollment windows based on their unique health or eligibility circumstances.

Under 65 Health Insurance Plans

30 minsFree

This appointment is designed for individuals and families under age 65 who want clear, personalized guidance on their health insurance options. Whether you’re self‑employed, between jobs, losing employer coverage, or simply looking for a better plan, we help you understand the choices available through the ACA Marketplace, private non‑Marketplace plans, and supplemental coverage options.

During your Under‑65 Health Insurance Review, we take time to understand your household needs—your doctors, prescriptions, budget, and any upcoming life changes. We’ll walk through your eligibility for Marketplace subsidies, compare plan levels (Bronze, Silver, Gold), and review private alternatives that may offer different networks or pricing.

ACA Marketplace plans and subsidy eligibility

Private under‑65 health plans

Dental, vision, accident, critical illness, and hospital indemnity coverage

Family coverage options and dependent rules

Networks, premiums, deductibles, and out‑of‑pocket costs

Which plans best fit your medical needs and budget

Whether you qualify for financial assistance

How each plan covers your doctors, prescriptions, and preferred hospitals

This appointment is ideal for anyone under 65 who wants a simple, stress‑free explanation of their health insurance options and a personalized plan for protecting themselves and their family.

BUSINESS COVERAGE---GROUP PLANS 5-5,000 employees

30 minsFree

During this meeting, we take time to understand your business structure, employee needs, budget goals, and any existing coverage. We’ll walk through available group plan options, contribution strategies, compliance requirements, and enrollment timelines. You’ll also receive a clear comparison of carriers, networks, and plan designs so you can make confident decisions.

Review of your business size, employee demographics, and coverage goals

Comparison of group health, dental, vision, and supplemental benefit options

Guidance on employer contributions, cost‑sharing, and tax advantages

Overview of carrier networks, premiums, deductibles, and out‑of‑pocket costs

Compliance considerations (ACA, participation requirements, renewal timelines)

Step‑by‑step plan setup and onboarding process for your employees

Which group plan options best fit your business

How to structure contributions and benefits effectively

What carriers and networks are strongest in your area

The exact steps needed to set up and launch your group plan

This meeting is ideal for any business looking to offer competitive, affordable employee benefits with expert guidance every step of the way.

REFER MY SERVICES TO A FRIEND OR FAMILY

30 minsFree

This appointment is designed for individuals who have been referred by a family member, friend, or colleague and want to learn more about the health insurance solutions we provide. As an independent brokerage serving 48 states and partnering with over 42 carriers, we offer truly personalized guidance across Medicare, ACA Marketplace plans, Supplemental Health coverage, and Business Group benefits.

During this referral appointment, we take time to understand your unique situation—your doctors, prescriptions, budget, business needs, or family coverage goals. We then review the plan options available in your state and walk through how each type of coverage works, what benefits they offer, and how they align with your needs.

You’ll receive a clear, customized overview of:

Medicare Advantage, Part D, and Medigap options

ACA Marketplace plans and subsidy eligibility

Supplemental health plans such as dental, vision, accident, critical illness, and hospital indemnity

Small business and group health plan solutions

By the end of the appointment, you’ll know which coverage options best fit your situation and what steps to take next.

We appreciate referrals more than anything—they’re the highest compliment we can receive. Thank you for trusting us to help the people who matter most to you.

About

A trusted health insurance broker in Grosse Pointe Woods, Michigan, licensed in 48 states and representing 42 carriers. We help you compare Medicare Supplements, Prescription Plans, ACA Marketplace options, Under‑65 private plans, Employer Group benefits, a variety of Supplemental coverages, and Faith‑Based health share plans along with vision, dental and hearing plans. At Health Broker Associates you will receive friendly guidance, clear answers, and personalized support every step of the way. Let us help you navigate you on your healthcare journey.

(313) 889-5913

michael@yourhealthbroker.com

https://www.yourhealthbroker.com

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