PrimeBond Insurance
Coverage, Explained First
Insurance decisions are made once and lived with for years. We start with what the plan actually does — parts, networks, funding, penalties — and only then talk about enrollment. Guidance carries no cost to you.
Two focus areas
Where most people start
Medicare for individuals approaching or already in retirement; benefits strategy for employers with two to fifty employees.
01
Medicare
Parts A through D, the four enrollment windows, and the penalties that follow a missed one — laid out before any application is signed.
02
Small Business Benefits
Group health, SHOP, level-funded, ICHRA, QSEHRA, ancillary lines, and renewal consulting for a team of two to fifty.
Full line
Every product we advise on
Each line is reviewed against how your household or your team actually uses coverage — not against a premium alone.
Medicare
Approaching 65, retiring later, or reviewing an existing plan
Parts, enrollment windows, and penalties explained before a single application is signed. We compare what is available to you, not what pays the most.
- Parts A, B, C, and D
- Enrollment periods
- Penalty avoidance
- Annual plan review
Small Business Benefits
Employers with two to fifty employees
Group health strategy built around your budget and your people — including the funding models most brokers skip past.
- Group Health
- SHOP
- Level-Funded
- ICHRA & QSEHRA
Individual Guidance
Individuals and families buying their own coverage
Marketplace and off-exchange options reviewed side by side, with subsidy eligibility checked before you enroll.
- Marketplace plans
- Subsidy review
- Special enrollment
- Coverage gaps
SHOP Plans
Qualifying small employers
Small Business Health Options Program coverage, including tax credit eligibility and enrollment mechanics.
- Eligibility review
- Tax credit analysis
- Plan selection
- Enrollment support
Level-Funded Plans
Healthy groups seeking predictable cost
A fixed monthly cost with the possibility of a surplus refund — the middle path between fully insured and self-funded.
- Underwriting review
- Claims transparency
- Surplus potential
- Renewal modeling
Dental
Individuals, families, and employer groups
Preventive, basic, and major coverage compared on waiting periods and annual maximums — not just premium.
- Preventive care
- Network review
- Waiting periods
- Annual maximums
Vision
Individuals, families, and employer groups
Exam, lens, and frame allowances weighed against how your household actually uses them.
- Exam coverage
- Frame allowance
- Contact benefits
- Network access
Supplemental Benefits
Anyone exposed to out-of-pocket risk
Accident, critical illness, hospital indemnity, and disability coverage for the costs a major medical plan leaves behind.
- Accident
- Critical illness
- Hospital indemnity
- Disability
Employer Consulting
Employers at renewal or in growth
Renewal strategy, compliance calendars, contribution modeling, and open enrollment run as a project rather than an email.
- Renewal strategy
- Compliance calendar
- Contribution modeling
- Open enrollment
Start with a conversation
Bring your current plan, your medication list, or your renewal letter. We will tell you plainly whether a change is worth making.