We'll help guide you through your insurance decisions
Finding you the right health plan has never been simpler. Our independent positioning allows us to spend more time educating you on your insurance options, ensuring your needs are met in the best way possible.
Meet Our Advisors
Our agents are licensed, certified, and highly trained in the products they offer. They want to understand your needs in order to cater a plan that'll work for you.
Sarah Thomas
Insurance Advisor
Medicare Supplements
Medicare Part D Prescription Drug Plans
Medicare Advantage (Part C)
Individual & Family Health Insurance (On & Off Marketplace)
Short Term Medical
Dental + Vision
Hospital Indemnity
Life Insurance
Brad Barnum
Insurance Advisor
Medicare Supplements
Medicare Part D Prescription Drug Plans
Medicare Advantage (Part C)
Short Term Medical
Dental + Vision
Hospital Indemnity
Life Insurance
Janet Bontrager
Insurance Advisor
Medicare Supplements
Medicare Part D Prescription Drug Plans
Medicare Advantage (Part C)
Short Term Medical
Dental + Vision
Hospital Indemnity
Life Insurance
Our Insurance Specialties Include:
How Does Clear Strategy Stand Out?
A Few of Our Partners
We have great relationships with numerous top-rated insurance companies, allowing us access to the best products for you.
Medicare Supplement Plans
A Medicare Supplement is regulated by the Federal Medicare program but is offered by private insurance companies. A supplement policy also referred to as Medi-Gap, bridges the “gap” between what Medicare pays and what you are responsible for paying on approved medical & hospital charges. There are several supplemental plans to choose from.
Medicare Advantage Plans
What are the advantages?
Medicare Advantage Plans must provide the essential benefits of Original Medicare, but they also have their "advantages." When enrolling in a Medicare Advantage plan, this option becomes your primary coverage.
Medicare Part D
Prescription Drug Plans
Medicare prescription drug plans add drug coverage to Original Medicare. This should be done at the same time you enroll in Medicare Part A & B to avoid late enrollment penalties if you delay obtaining coverage. Each prescription drug plan is selected by our knowledgeable agents based on your specific medications and preferred pharmacies.
Individual & Family Health Insurance
An individual health insurance plan can cover just one person or an entire family. Health policies typically cover essential health benefits like doctors, hospitals, emergency services, and prescription drugs.
We are able to offer short-term medical plans as well as long-term solutions both on and off the MarketPlace.
How Can an Independent Marketplace Advisor Help Me?
The MarketPlace is a resource where individuals and families can:
Life or Final Expense Insurance
Is it Right For Me?
Many financial experts consider life insurance to be the cornerstone of sound financial planning.
It can be an important tool in the following situations:
-
If people depend on your income, life insurance can replace that income for them when you pass away. The most commonly recognized case of this is parents with young children. However, it can also apply to couples in which the survivor would be financially stricken by the income lost through the death of a partner, and to dependent adults, such as parents, siblings or adult children who continue to rely on you financially. Insurance to replace your income can be especially useful if the government- or employer-sponsored benefits of your surviving spouse or domestic partner will be reduced after your death.
-
Life insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance.
-
Even if you have no other assets to pass to your heirs, you can create an inheritance by buying a life insurance policy and naming them as beneficiaries.
-
Some types of life insurance create a cash value that, if not paid out as a death benefit, can be borrowed or withdrawn on the owner’s request. Since most people make paying their life insurance policy premiums a high priority, buying a cash-value type policy can create a kind of “forced” savings plan. Furthermore, the interest credited is tax deferred (and tax exempt if the money is paid as a death claim).
Legal Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.
Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Clear Strategy Office Location
1209 East Milham Ave
Portage, MI 49002
© 2024 Clear Strategy.
Office Hours
Mon - Fri
Sat - Sun
9:00 am - 5:00 pm
Closed