Individual - 77-Call-Pete

Amidst Healthcare Reform and the industry’s ever-changing landscape, Pete offers real options. Whether you are looking for better coverage, recently uninsured or it’s your first time purchasing health insurance, we will help you find a premium, affordable plan. Depending on your budget and your needs, we will customize a plan for you. Whichever fits you best, Major Medical-ACA Compliant, Short Term, Fixed Benefit and Guaranteed Issue plans are all available to you. Even if your employer offers you coverage, an individual plan could still be the best option for you. Additionally, dependent coverage through your employer may not always be the most affordable option either.

Customizing your coverage is essential; health insurance is not a “one size fits all” type of product. Therefore, a HST agent will assist you in determining what will work best for your situation. With all the different deductibles, options and product designs, choosing the right plan can be difficult and our mission is to simplify this process.

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When you put people first, the numbers speak for themselves. From happy clients to plans offered and states served, here's a quick snapshot of what makes 77-Call-Pete different.

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Short-term coverage is designed to bridge gaps—like waiting for new employer benefits or navigating life changes. Terms are typically a few months (with possible renewals) and underwriting usually applies, meaning preexisting conditions may not be covered. Premiums can be lower than many comprehensive plans, and you can often start quickly. We’ll confirm eligibility, outline state rules and duration limits, review networks and deductibles, and compare your short-term options against any ACA alternative that might deliver better value.

Indemnity plans pay set cash amounts for covered services—such as doctor visits, hospital stays, or diagnostics—regardless of the provider’s bill. They’re not comprehensive major-medical coverage; instead, they offset out-of-pocket costs like deductibles or coinsurance. We’ll help you coordinate indemnity benefits with your primary plan, choose suitable benefit levels, and understand how claims are paid so your costs stay predictable.

Another type of health insurance that carries a modest premium cost is catastrophic coverage. Catastrophic health insurance is a type of coverage designed to protect you in the event of major medical emergencies or serious health issues. It generally comes with a lower premium cost compared to other health insurance plans, making it an appealing option for individuals who are relatively young and healthy but still want a safety net for severe medical situations. Catastrophic coverage typically has a high deductible, meaning you’ll need to pay a significant amount out of pocket before the plan starts covering costs. These plans are not designed to cover routine healthcare expenses or minor medical treatments, but rather to provide financial protection in case of unexpected, costly events such as accidents, severe illnesses, or hospitalizations. It’s important to consider your health and risk tolerance when deciding if catastrophic health insurance is the right choice for you.

These plans are comprehensive health benefit packages tailored for small business owners, freelancers, and independent contractors (1099 workers). They focus on bringing large-company savings to the self-employed, typically providing access to major nationwide networks, zero-cost telemedicine, and major medical coverage.