Health Insurance

Why Work with Tom Korek Insurance?

Navigating health insurance can be overwhelming, but you don’t have to do it alone. Whether you're looking for individual coverage, a family plan, or a short-term solution, I can help you explore your options and find the right plan at the right price.

✔ Personalized Guidance – I take the time to understand your needs and recommend the best plans for you.
✔ Affordable Coverage Options – Get access to plans that fit your budget without sacrificing quality.
✔ Seamless Enrollment Process – I handle the details so you can focus on what matters most.

📍 Let’s Find the Right Plan for You! Contact me today to explore your health insurance options.

178,000,000

Americans rely on private health insurance for their coverage. (Source: U.S. Census Bureau)

73,000,000

children and adults are covered under family health insurance plans. (Source: Kaiser Family Foundation)

30,000,000

Americans are uninsured, with short-term health plans offering a temporary solution for coverage gaps. (Source: U.S. Department of Health & Human Services)

Individual Health Insurance Plans

Coverage tailored to your lifestyle and budget.

Whether you're under 30 looking for a low-cost catastrophic plan or need a high-coverage platinum plan with minimal out-of-pocket costs, I can help you find a health insurance plan that balances affordability and coverage. If you’re self-employed, between jobs, or don’t have employer-provided benefits, an individual health insurance plan ensures you have access to essential medical care.

✔ Coverage for doctor visits, hospital stays, preventive care, and prescriptions
✔ Options for dental, vision, and mental health benefits
✔ Access to nationwide provider networks
✔ Plans that balance premium costs and deductible options

💡 Who Needs Individual Health Insurance?

Self-employed individuals and freelancers
Those not covered by an employer’s plan
People looking for private coverage outside government programs

Find the right plan for you.

Family Health Insurance Plans

Comprehensive protection for your loved ones.

Your family’s health is important, and a customized family health insurance plan can provide financial security and peace of mind. Whether you need full-coverage for routine checkups and emergencies or a more cost-effective plan, I can help you find the right balance.

✔ Pediatric care, vaccinations, and wellness checkups
✔ Maternity and newborn care
✔ Coverage for routine doctor visits, specialists, and emergency services
✔ Mental health support and prescription drug benefits

💡 Choosing the Right Family Plan:

Consider deductibles vs. premiums—a lower monthly cost may mean higher out-of-pocket expenses
Ensure your preferred doctors and hospitals are included in the plan
Look for preventive care benefits to avoid costly medical expenses later

Ensure your family is covered.

Short-Term Health Insurance Plans

Temporary coverage when you need it most.

Short-term health insurance provides immediate, flexible coverage for individuals needing insurance for 30 to 90 days. These plans are perfect if you’re between jobs, waiting for employer benefits, or just need a quick solution. Coverage can begin as early as the next day with some carriers offering a single payment option for the entire period.

✔ Fast approval with coverage starting the next day
✔ Flexible 30 to 90-day plans (renewal options available)
✔ Lower-cost alternative to COBRA
✔ Ideal for temporary coverage needs

💡 Who Should Consider Short-Term Health Insurance?

Individuals between jobs or waiting for employer benefits
Recent college graduates who lost coverage under a parent’s plan
Those who missed Open Enrollment and don’t qualify for a Special Enrollment Period
People looking for a cost-effective alternative to COBRA

Need temporary coverage?