Your HEALTH is your greatest ASSET.
Let me help PROTECT it!
Looking for a Health Plan?
Health insurance is complicated and picking the right plan can be difficult. As your health insurance advisor, my first priority is to educate you on all options available so you can make an informed decision on the best type of health coverage for you and your loved ones.
Benefits of Working With Me!
My license will allow me to access all of your health coverage options, both public and private. I will help you find plans that fit your budget and needs and will also make sure your doctors are in-network.
Access to nationwide plans
Education on all your options
1:1 concierge service
Seamless client experience
FREQUENTLY ASKED QUESTIONS
What is the cost of your service?
No charge. My services are complimentary.
Do I need health insurance?
Yes, you do! Health insurance provides important financial protection in case you have a serious accident or sickness. It is best to have health insurance and not need it, than to not have it when you need it!
What are the biggest differences between ACA/Obamacare, Employer plans, COBRA and Private insurance?
ACA/Obamacare is major medical coverage that is intended for people with major pre-existing conditions or those who are very low income. It is most affordable IF you get a government subsidy on the monthly premiums. If you don’t qualify for that discount, it is way more expensive than most plans out there with very limited provider networks.
Employer plans are AMAZING for the employee themselves however when you add a spouse, kids, or both, that premium will skyrocket. This is because employers usually contribute 50%-80% towards the employees premium, but the family will be paying full price to be added on to the plan. If you’re carrying your family on your employer plan and want to explore other options, book a call with me.
COBRA, The Consolidated Omnibus Reconciliation Act, is a federal law that allows individuals and families to continue their employer-sponsored health insurance after job loss, reduction in work hours, or death of the employee. This coverage is only available for a set amount of time and you are responsible for paying the ENTIRE premium, including the portion the employer was paying. COBRA is very expensive so if you’re on COBRA now, you need to book a call with me.
Private insurance is health-based plans which offer more affordable rates than most plans, better benefits and nationwide coverage. There is an application & approval process for private health plans simply because not everyone may qualify based on health.
Do I only have the "open enrollment" time period to be able to set up private insurance?
Nope! You can sign up any time. Private insurance plans are available year-round. The open enrollment period is only for ACA/Obamacare/government plans and your employer plan.
Will private insurance plans cover me anywhere I go?
YES! Nationwide coverage, on and off the job. They are PPO plans so you aren’t limited to coverage in your zip code, county or state like many other health plans.
Do you help with other insurance plans as well?
I have access to Medical/Health, Dental, Vision, Life, Supplemental, Critical Illness, Income Protection (aka Short term disability) and access to everything out there so I am happy to guide you in the right direction if you are needing something specific!
About Me
Your Concierge Insurance Nurse
Our health is our greatest asset. This has always been my fundamental belief and why I’ve dedicated my career to helping people maximize their greatest health potential. I am a doctorate prepared, board certified nurse executive with 19 years of experience in healthcare. My passion for serving others underpins the life I live and the work I do. As your health insurance advisor, I will listen to your situation and needs carefully, educate you fully about available coverage options and help you protect your health with the right coverage tailored to your needs.
Yours truly,
Dr. Latanya Bather, DNP, RN, NEA-BC
Health Insurance Advisor
