Health Insurance Guidance: Empowering Your Health Journey
Navigate your health insurance with our expert help .
Navigate your health insurance with our expert help .

At Appreciated Health Services, we serve individuals, families, small business owners, and gig workers who need clarity and confidence when navigating health coverage options. Whether you're exploring Medicare plans, ACA plans, supplemental insurance, or employer-sponsored insurance solutions, we’re here to simplify the complex landscape of medical coverage.
We do this work because we believe that health decisions should be empowering—not overwhelming. Our team is driven by a commitment to transparency, compliance, and care. We understand that behind every policy is a person with unique needs, goals, and concerns.
Our clients receive more than just coverage—they gain a trusted partner in their journey. We provide the resources, conduct thorough research, and offer tailored recommendations based on your specific situation. From virtual consultations to personalized guidance tools, we deliver support that’s clear, compliant, and actionable—so you can make informed decisions about your health coverage with peace of mind.
We guide individuals and families through:
• Medicare Planning: Helping you understand enrollment timelines, supplemental options, and cost-saving strategies.
• ACA Marketplace Coverage: Finding the right plan based on income, household size, and health needs.
• Long-Term Care Solutions: Exploring coverage options that protect your future and preserve your assets.
• Ancillary Benefits: Including dental, vision, hearing, and life/disability insurance to round out your protection.
We empower freelancers, consultants, and 1099 earners with:
• ACA Plan Selection: Tailored to your income and lifestyle, with education on subsidies and tax implications.
• Long-Term Care & Disability Coverage: Safeguarding your income and independence.
• Retirement Planning: Options like solo 401(k)s and IRAs to build financial security on your terms.
We help business owners attract and retain top talent while simplifying benefits administration:
• Group Health Plans & ICHRA Solutions: Flexible, tax-advantaged options that give employees choice and employers control.
• Employee Education & Onboarding: We provide branded, compliant resources to help your team understand and appreciate their benefits.
• Retirement Plans: Including SIMPLE IRAs, 401(k)s, and SEP plans to support long-term employee growth.
• Ancillary Products: Dental, vision, hearing, life, and disability coverage to enhance your total rewards package.
• Strategic Partnerships: We collaborate with accountants, payroll providers, and attorneys to ensure your benefits strategy is integrated and compliant.
We take benefits off your plate—so you can focus on your business, your family, and your future. With Appreciated Health Services, you gain a proactive partner who delivers education, advocacy, and expert support every step of the way.
Medicare is a federal health insurance program primarily for individuals age 65 and older, or those under 65 with certain disabilities. If you're transitioning from employer coverage or just becoming eligible, here's how it works:
The Four Parts of Medicare:
• Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing, hospice, and some home health care.
• Part B (Medical Insurance): Covers doctor visits, outpatient care, preventive services, and durable medical equipment.
• Part C (Medicare Advantage): A private plan alternative that bundles Part A, B, and often Part D, plus extras like dental and vision.
• Part D (Prescription Drug Coverage): Helps cover the cost of medications.
️ Steps to Get Started:
1. Enroll in Original Medicare (Parts A & B):
• If you're 65+ and not automatically enrolled, apply through the Social Security Administration.
• If you delayed enrollment due to employer coverage, you may qualify for a Special Enrollment Period (SEP).
2. Choose Additional Coverage:
• Medicare Supplement (Medigap): Helps pay out-of-pocket costs not covered by Original Medicare.
• Medicare Advantage (Part C): All-in-one plans with network-based care and added benefits.
• Part D Plan: Required if you choose Medigap and want prescription coverage.
3. Get Guidance:
We’ll help you compare plans, understand costs, and avoid penalties — all with compliance and clarity.
Running a business? We help you offer competitive, compliant benefits without the administrative burden.
💡 What Is an ICHRA?
An Individual Coverage Health Reimbursement Arrangement (ICHRA) allows employers to reimburse employees tax-free for health insurance premiums and qualified medical expenses. It’s flexible, scalable, and ideal for businesses of all sizes.
🧩 Group Plans & Benefits Suite
We offer a full-service benefits solution that includes:
• Traditional Group Health Plans
• ICHRA Setup & Administration
• Dental, Vision, Life, and Disability Options
• Employee Education & Onboarding
• Compliance Monitoring & Documentation
🎯 Why Employers Choose Us:
• Offload the Complexity: We handle plan design, compliance, and employee support.
• Customizable Benefits: Tailored to your team’s needs and budget.
• Attract & Retain Talent: Offer meaningful benefits without the overhead of managing them in-house.
• Stay Compliant: We keep you aligned with IRS, DOL, and CMS regulations.
Looking to explore your Medicare plans and health coverage options? Click the link below to review plans, compare benefits, and enroll—all from the comfort of your home. It’s fast, secure, and guided by the experts at Appreciated Health Services. We offer a range of insurance solutions, including supplemental insurance and medical coverage, to ensure you’ve got everything you need!
Use our Medicare Analyzer Tool to securely share your doctors and prescriptions. This helps us assess your healthcare needs and compare Medicare Supplement and Advantage plans side by side—so you can choose coverage that fits your lifestyle, budget, and medical priorities.
If you’re exploring Medicare plans, ACA options, employer-sponsored health coverage, or supplemental insurance, Appreciated Health Services is here to guide you with clarity, care, and compliance. Whether you're a pre-retiree, gig worker, oe small business owner, reach out for personalized support and expert insight on insurance solutions — all through a virtual consultation that fits your schedule.
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Sign up to stay informed about our health coverage options, including various insurance solutions, medical coverage, and Medicare plans, as well as supplemental insurance.
Please reach us out to us if you cannot find an answer to your question.
We specialize in Medicare, ACA marketplace plans, employer-sponsored health plans, and supplemental coverage such as dental, vision, and long-term care. Our goal is to simplify complex choices and help you find the right fit for your needs.
Yes. We’re certified to guide clients through both Medicare and ACA enrollment, including eligibility screening, plan comparison, and compliance support.
Absolutely. We help small businesses offer flexible health coverage through group plans or ICHRAs, plus add-ons like dental, vision, hearing, disability, and life insurance. Our solutions are scalable, compliant, and tailored to your team’s needs
An ICHRA allows employers to reimburse employees tax-free for individual health insurance premiums and qualified medical expenses. It’s a flexible, scalable alternative to traditional group health plans—ideal for small businesses, startups, and organizations with diverse coverage needs.
Yes. We help clients evaluate standalone and bundled options for dental, vision, hearing, and other supplemental benefits — especially when these are not included in their primary health plan.
Medicare Advantage (Part C) replaces Original Medicare and often includes extra benefits like dental and vision. Medigap supplements Original Medicare by covering out-of-pocket costs. We’ll help you compare both based on your health needs and budget.
All of the above. We work with individuals, families, small business owners, financial advisors, and licensed brokers — tailoring our support to each group’s unique needs.
Yes. We specialize in helping independent workers navigate ACA plans, subsidies, and supplemental coverage options that fit variable income and lifestyle needs.
Definitely. We offer strategic collaboration to help advisors expand their value to clients.
You can enroll in a Medicare plan during the annual enrollment period from October to December, or during the open enrollment period from January to March if you're already in a Medicare Advantage plan. For ACA coverage in New Jersey, enrollment typically runs from November through January. Special enrollment periods may also apply based on life changes like moving, losing coverage, or changes in income.
For most plans, you’ll need proof of identity, income, and residency. We’ll guide you through exactly what’s needed based on your situation.
Yes. We’ll assess your eligibility for ACA subsidies, Medicare Savings Programs, and Special Enrollment Periods — ensuring you don’t miss out on valuable benefits
Just visit our homepage and click “Subscribe.” You’ll receive expert insights on Medicare, ACA, supplemental coverage, and more — delivered with clarity and care.
Yes. Use our scheduling tool to book a free consultation at your convenience. We offer virtual and in-person options depending on your location.
This website serves as an invitation for you, the customer, to inquire about further information regarding Medicare Supplement insurance, Medicare Part C, and Medicare Part D. Your request for information will be routed to a licensed agent who can provide you with further information about the insurance plans offered by one or more of our third-party partners. Submission of your contact information constitutes permission for an agent to contact you with further information, including complete details on the cost and coverage of this insurance.
We, and the licensed agents that may call you, are not connected with nor endorsed by the U.S. Government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information contained on this website. This is not a complete listing of plans available in your service area. 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. For a complete listing please contact 1 (800) MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048, 24 hours a day/ 7 days a week, or your local State Health Insurance Program (SHIP) consult www.medicare.gov.
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