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
- 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
- Dental and vision plans
- Life insurance
- Long-term care
- Financial needs analysis
- Retirement planning
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
Check out the Blog
So we're in the throes of open enrollment - Have you signed up for your insurance portal? It is important to remember during open enrollment, that other than using a broker who is going to help you pick a plan, you also need to set up your portal as soon as you have...
It’s open enrollment, and the hot topic is evaluating your coverage, especially when it comes to labs. Something that can be very useful when deciding on a plan is knowing what the copays would be for major events such as an MRI, CT scan, or labs. Do you have to meet...
Today we are going to look at disability insurance. Let’s say you work for an employer, and they don't offer disability, or you're self-employed, and you don't have access to disability insurance. I have a solution. There is a great company that can assist with...
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JKapp Consulting will educate you and give you the tools to understand and control insurance and healthcare costs.
Hear what our clients say
“Janice is a fantastic small business resource! She can help you offer your employees insurance at a group cost. Great coverage and pricing. She has access to sell different plans and can help find the right fit for your company’s individual needs. Extremely knowledgeable and I highly recommend, best we have worked with.”
“Janice recently helped me understand the risk and exposure of my current health plan. She was able to convert me to a better plan with a lower annual deductible plus additional disease and accident plans for a similar cost as my previous plan. Ring that bell for Janice!! Thank you!”
“Janice is the consummate professional, and she handles every call and person with the utmost courtesy and respect. She knows so much about insurance. She really helps people to navigate around—and through—the insurance puzzle. I highly recommend Janice for your insurance needs. She is a great educator!”