Health & Medical Coverage

Smart Insurance Solutions for Individuals, Families, & Employers

At Compass Insurance Advisors Group Benefits, we know firsthand how overwhelming it can be to sort through health insurance options — especially when your wellbeing and your wallet are both on the line. So whether you’re shopping for individual coverage, exploring group benefits for your business, or transitioning to Medicare, our team is here to guide you with personalized advice and dependable support. And being based right here in Logan, UT, and serving all of the Western United States – including Utah, Idaho, Arizona, Colorado, Wyoming, Texas, New Mexico, we specialize in ACA-compliant health insurance, as well as innovative, cost-saving solutions like level-funded health insurance plans.

Our mission is simple: make health insurance easier to understand, easier to manage, and more affordable — without sacrificing quality or support. We bring over 42 years of industry experience, deep local knowledge, and a true commitment to serving our community with integrity.

Health Insurance That Fits Your Needs & Budget

We help individuals, families, and employer groups find coverage that makes sense for their situation. That includes everything from Affordable Care Act (ACA) marketplace plans to private options and employer-based group plans. Here’s what we offer:

ACA-Compliant Health Insurance

If you’re an individual or family looking for marketplace coverage, we can help you find an ACA plan that fits your health needs and financial goals. Nine out of ten residents who shop on the marketplace qualify for financial assistance. That could mean:

  • Lower monthly premiums
  • Reduced deductibles and out-of-pocket maximums
  • Free preventive care and wellness benefits

We’ll walk you through the entire enrollment process and help you make the most of your options. And if you’re unsure whether you qualify for savings, we’ll help you find out in minutes — at no extra cost.

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Obamacare Alternatives

Not everyone benefits from the ACA marketplace. That’s why we also offer private health plans that are health-underwritten, meaning they’re based on your current health status and not available through healthcare.gov. These non-ACA options typically offer:

  • Savings of 30–50% compared to unsubsidized ACA plans
  • Year-round enrollment (no open enrollment period)
  • Competitive benefits for healthy individuals and families

These plans aren’t for everyone, but if you qualify, they can provide a much more affordable path to coverage.

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Level-Funded Health Insurance Plans

For employer groups — especially those with 50 or more employees — we specialize in level-funded and partially self-funded health insurance strategies. These plans combine the predictability of traditional premiums with the cost-saving potential of self-funding. We’ve helped employers reduce costs by 10–30%, while still offering high-quality benefits to their teams.

If you’re looking for a better way to control benefit expenses without cutting coverage, we’re ready to show you how.

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Fill the Gaps in Your Plan

Supplemental Coverage

Even the best health plans can leave gaps—especially when it comes to unexpected events like accidents, critical illnesses, or hospital stays. That’s where supplemental insurance comes in. These plans can be added to any health insurance plan, including group or employer-provided coverage. We offer:

  • Accident Insurance: Helps cover out-of-pocket costs after a fall, injury, or emergency room visit
  • Critical Illness Insurance: Offers a cash benefit upon diagnosis of a serious illness like cancer or heart attack
  • Hospital Indemnity Insurance: Provides coverage for overnight hospital stays and extended care

These supplemental plans are an affordable way to add a layer of financial protection — especially when life takes an unexpected turn.

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Dental & Vision Coverage

Health insurance doesn’t always cover everything — especially when it comes to dental and vision care. We offer standalone plans and bundled options for:

  • Preventive dental visits and cleanings
  • Fillings, crowns, and orthodontics
  • Annual vision exams
  • Glasses, contact lenses, and more

Whether you’re looking for individual or group dental and vision coverage, we’ll help you find a plan that keeps you and your smile in good health.

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Medicare Plans Simplified

Navigating Medicare doesn’t have to be confusing. We offer personalized, no-cost assistance to help you make informed decisions about your Medicare coverage.

Medicare Advantage Plans

These “all-in-one” plans often include hospital, medical, and prescription drug coverage. Many even include extras like dental and vision — often for $0 in monthly premiums.

  • Annual out-of-pocket maximums
  • Prescription drug coverage (Part D)
  • Wellness benefits and extras

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Medicare Supplement Insurance Plans

These plans help cover what Original Medicare doesn’t—like deductibles, copayments, and coinsurance. They’re guaranteed renewable and offer:

  • Standardized plan options
  • Flexibility to see any Medicare-accepting provider
  • No network restrictions

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Prescription Drug Plans (Part D)

If you’re enrolled in Original Medicare, you’ll need to add a standalone Part D plan for prescription coverage. We help you select a plan that aligns with your medication needs and avoids unnecessary penalties.

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Frequently Asked Questions

Can you help me compare ACA plans and private plans?

Yes. We walk you through side-by-side comparisons of both types of coverage so you can make the best decision based on your needs and budget.

What is level-funded insurance, and how does it work?

Level-funded plans are a hybrid between fully insured and self-funded plans. Employers pay a fixed monthly amount but may get money back if claims are lower than expected. It’s ideal for groups of 50+ employees.

When can I enroll in non-ACA coverage?

Unlike ACA plans, which have limited enrollment windows, most non-ACA plans allow for year-round enrollment if you qualify through underwriting.

Do you charge for consultations or enrollment help?

No. Our services come at no extra cost to you. We’re compensated by the insurance carriers, so you get expert guidance with no added fees.

Ready to Simplify Your Health Coverage?

Choosing the right health insurance doesn’t have to feel overwhelming. And at Compass Insurance Advisors Group Benefits, we make it simple to find a plan that fits your life and budget — whether you’re a single individual, a family, or a business owner looking for smarter group benefits. Schedule your free consultation today, and let’s take the guesswork out of your health and medical coverage. You deserve clarity, confidence, and coverage that works when you need it most.

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