There’s a good chance you are over-paying
Do you know what your health care really costs?
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Get a custom portfolio of insurance & benefits
What are your true out-of-pocket costs for insurance and benefits? Many families and small businesses pay too much for insurance, or think they can’t afford to provide employee benefits. But a custom plan is likely to save you money.
Let us run the numbers. You might be surprised.
Families & Businesses
Custom plans to fit the needs of families as well as businesses with 3 to 100 employees.
Designed for your budget
Get a custom plan that gives you the most benefits based on your budget.
Information = Control
Not your typical insurance broker
- Worked as an insurance consultant since 2013, helping clients find cost-effective solutions
- 25+ years in human resources
- Experience managing both medical and dental offices
For businesses with 3 to 100 employees
We offer solutions and services that are beneficial specifically to your organization. Through our consultative approach, we never lose sight of your goals and budget.
- Fully insured group health plans (for 3-100 employees)
- Group life insurance
- Dental and vision plans
- Disability income plans
- Voluntary and supplemental plans
- Accidental death and dismemberment coverage
- Direct primary care
- Telemedicine
- Long-term care
- 401k/retirement planning
For individuals & families
What are your unique needs?
We understand that no two individuals or families have the same needs. There is no “one size fits all.” We explore your needs and customize options specifically for you or your family.
- Traditional ACA plans
- Short-term plans
- Private plans
- Direct primary care plans
- Telemedicine
- Dental and vision plans
- Life insurance
- Long-term care
- Annuities
- Financial needs analysis
- Retirement planning
GATHER INSIGHTS
Guidance for your healthcare decisions
Learn quick tips about how you can better understand and navigate the insurance and healthcare landscape, find discounts, and protect your business and your family. Get quick, smart, hard-hitting videos from your health insurance expert, Janice Kapp.
More than Death Insurance
Preventive Services
Bill Negotiation
Check out the Blog
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Pre-Authorizations: Why They Matter and How They Protect Your Wallet Today, we’re tackling a topic that has been making headlines recently—health insurance pre-authorizations and claim denials. If you’ve ever had a procedure delayed or received a big unexpected...
Avoid Surprise Rate Hikes: Why Updating Your Health Insurance Plan is Critical This Year
Open Enrollment 2025: What You Need to Know Before December 15 Open Enrollment is just around the corner, and this year brings big changes you need to know about—especially if you want to avoid unexpected fees and huge premium increases. Here’s what’s new and...
Group vs. Individual Health Insurance: Which is Best for Your Small Business?
Are Group Health Insurance Plans Really Cheaper for Small Business Owners? Here’s the Truth With all the upcoming changes in health insurance, I’ve been getting a lot of questions from business owners about group health insurance plans. Many assume group...
Get a free consultation to evaluate your current coverage
JKapp Consulting will educate you and give you the tools to understand and control insurance and healthcare costs.