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
Why You Shouldn’t Enroll in Health Insurance Alone (And What to Do Instead)
Why You Shouldn’t Enroll in Health Insurance Alone (And What to Do Instead) Open Enrollment is officially here—and before you click through that health plan application on your own, here’s what you need to know. Many people assume they can just DIY their health...
The Cost of Being Underinsured: Accidents, ER Visits, and Life Insurance Gaps
Are You Underinsured? The Hidden Gaps in Health and Life Insurance It’s officially open enrollment, and things are moving fast! As we head into one of the busiest insurance seasons of the year, there’s one critical question I’ve been asking every client: Are...
Avoid Higher Premiums: Important Open Enrollment Tips for 2025
Open Enrollment Starts November 1st: Here’s What You Need to Know Open Enrollment kicks off November 1st—and this year is going to be a wild ride. With changing plans, shifting tax credit eligibility, and premium increases across the board, now’s the time to...
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.