There’s a good chance you are over-paying

Do you know what your health care really costs?

Ready for a free consultation? Schedule 30 minutes today.

Not your typical insurance broker

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

We arm you with the information you need to take control and make smart healthcare choices.

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

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.

Hear what our clients say

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Eden Self profile picture
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Janice has truly been such a blessing to our family. My husband and I got married young and had a baby young, so navigating insurance felt overwhelming at first. Janice gave us so much peace of mind through every step of the process. She took the time to help us find the absolute best insurance for our family, and we genuinely would not have found it without her. People are constantly shocked when they hear about our coverage and how many free doctor appointments we’ve been able to have because of the insurance she helped us get. We’ve literally had people tell us it’s unheard of. That alone says so much about how knowledgeable and hardworking she is. Beyond that, Janice truly cares. She always answers her phone, responds quickly, and is there whenever we need help or have questions. She never makes us feel like just another client. She has gone above and beyond for our family in so many ways, and we are incredibly grateful for her. I cannot recommend her enough.
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Martin Frey profile picture
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Janice is more than a true professional. She is dedicated and caring when it come to doing what is best for her clients. Her experience in healthcare is a critical advantage when guiding through coverage options. Janice is the only health agent I refer people under 65 to. She has my strongest endorsement.
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Ian Noble profile picture
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Janice was very easy to work with and the whole process of switching insurance companies was much smoother than anticipated. She saved our family of 5 several hundred dollars a month. Highly recommend!
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Karen Jansen profile picture
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Janice saved my husband and I $14k the first time my husband talked with her. We have never paid her, she just saves us money. She truly cares about helping others by taking the hell out of healthcare :) THANK YOU, Janice.
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sarah carrigee profile picture
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Janice was so patient and kind with me and made sure to explain everything to me in detail. She got the whole process done so quickly and painlessly! I highly recommend.
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Jodi Hill profile picture
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HUGE HELP! Janice has helped me review and select a health insurance plan for the past two years while keeping in mind my preferred doctors, clinics, prescriptions, and even upcoming procedures. She's always quick to respond and help. It can be so confusing with hundreds of options and she always helps narrow to meet your needs.
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Julianna Chung profile picture
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Janice provided exceptional service throughout our employee health insurance evaluation process. She went out of her way, took the time to educate us on all available options, explained complex regulations clearly, and showed genuine patience as we worked through what was best for our small business and crew. Her expertise and understanding made a difficult decision much easier to navigate. Even though we ultimately chose a different path, her professionalism and guidance were invaluable. Highly recommend for any business owner navigating insurance decisions. Top notch customer service. Thank you, Janice!
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Scott Leandra profile picture
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I am 61 years old and I have dealt with insurance agents for my entire adult life.So when I tell you that janice is outstanding it comes from experience. Her service. Is top-notch in every category and I would recommender to anyone.

Ready for a free consultation? Schedule 30 minutes today.