Life + Health Solutions
As an independent insurance brokerage, Blue Wave Financial represents over 30 A-rated carriers, enabling us to deliver customized life and health insurance solutions across the broadest possible spectrum. We serve clients from infancy (14 days) through age 89, with products designed to accommodate any health status.
Our expertise includes term, whole life, and universal life policies, with specialized focus on no-exam and simplified underwriting options. We also facilitate access to private, multi-network health insurance plans for eligible individuals.
Life Insurance Needs
Your life insurance needs evolve throughout your lifetime. Young families need income replacement and mortgage protection. Business owners require buy-sell funding and key person coverage. Retirees want final expense coverage and estate planning solutions. Regardless of your age, health status, or stage of life, life insurance provides the financial foundation your loved ones can depend on—with flexible options that don't always require extensive medical underwriting.
Health Solutions
Blue Wave Financial brokers health insurance plans designed for individuals seeking marketplace alternatives. The standard plans you might find on the health insurance marketplace can be great basic plans but are often not the best plans for people with pre-existing conditions, who might be denied coverage or individuals looking to avoid exorbitant costs for only the essentials.
Lower Your Costs
While the health insurance marketplace is an incredibly useful resource, the plans you can find on there may still be beyond your budget. With a marketplace alternative plan, you can find coverage for half the cost.
Blue Wave Financial can even write health insurance plans with a $0 annual deductible.
MultiPlan Network
Have you had trouble finding coverage with your current provider? Marketplace alternative health insurance plans work with some of the largest networks of providers. We’ll help you find coverage accepted by quality providers you will love.
When you choose a plan that uses the PHCS (Private Healthcare System) or MultiPlan networks, your coverage helps you access the broadest choices of healthcare providers in America. MultiPlan and PHCS are not health insurance providers, they are networks of providers. That means that when you have a plan that works with PHCS or MultiPlan, that expanded coverage makes it much more likely that your preferred provider will accept your health insurance. And if not, the MultiPlan network will have a large selection of providers ready to help you get the care you need.
Enroll on Your Schedule
Standard marketplace plans have dedicated times of the year when you need to apply for coverage. We understand that you might not be able to wait until those enrollment periods. Thankfully, alternative plans skip the inconvenience—you can enroll at any time of the year!
Blue Wave Financial Services can connect you with affordable coverage, with great providers, when you need it. To discuss your options and enroll in a plan, book an appointment today.