We're Freeing People Held Hostage by
Their Health Insurance

Learn why we offer the best insurance value in America

at half the cost of Obamacare.

Dedicated to ending the industry abuse of
financial gain above client wellbeing.
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Doctor taking blood pressure of older patient

HOSPITAL INDEMNITY PLAN

Fixed benefit health and income protection plans.

Athlete with Amputated Leg

ACCIDENT BENEFITS

Accidents happen when you least expect them. You can't plan on them, but you can plan for them.

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SPECIFIED DISEASE INSURANCE

Prepare to protect yourself from the costly medical procedures and expenses associated with fighting specified diseases and conditions.

Knee Joint Examination

CRITICAL ILLNESS

Protection when you need it most to help you cope with the high cost of recovering from a medical crisis.

Dentist

DENTAL

Preventative, Basic, and Major Covered Services for you and all of your family's dental needs. 

Eye Test

VISION

Vision plans to cover eyewear, contacts, and eye exams at the lowest out-of-pocket costs through the nations largest doctor network.

Americans are Taking Their Buying Power Back with a Consumer-Focused,

Defined Benefits Health Plan:

Affordable
Save 30% or More on Monthly Premiums
Individual Owned
Client controls policy coverage and changes
Transparent
Clarity on procedure costs and benefits 
No surprises
Consumer Choice
Client chooses the best health provider 
No network restrictions
Kids with Capes

Simple.

Transparent.

Affordable.

Discover how individuals, families and groups are saving 30% - 50% their health insurance premiums.

Eliminate soaring premiums and
sky rocketing procedure costs for good.

PHCS Extended Network

for Additional Savings

Patient Advocate

and Bill Negotiation

Unlimited Service by

Web and Phone 24/7

Save on Medications. Honest Pricing Better Benefits

 

Partners & Resources

Find & Buy Procedures in

Arizona & Save up to 60%

High Quality Imaging

at a Fraction of the Price

Free Market Hospital 

with Fair, Transparent Pricing

Free Medical Market Assoc. Surgery Center 

with Fair, Transparent Pricing

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Keeping Small Business Open & Thriving by

Providing Individualized Plans for Your Employees.

Looking for an Outstanding Solution for Employee Benefits?

  • Lower Your Premiums
  • Attract & Retain Great Employees
  • Keep Costs Low with Wellness Services
  •  No More COBRA
Upload a Group Census
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Finally the healthcare

reform you've been asking for is here.

SUBSCRIBE
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Join the H.E.R.O. Network

Health Education Resources & Options

Everything you need to know about being a savvy insurance consumer.

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H.E.R.O. TRAINING

Insurance Education 

Resources & Options 

 

UPCOMING Training Topics: 

Open Enrollment Training:

What is a Defined Benefits Plan?

How to Best Use Your Defined Benefits Plan and Save BIG!

Lowering Your Health Risk Lowers Premiums. We'll show you how it's done.

WHAT PEOPLE SAY

Confident Woman

Kathryn

 Bill Lovell is wonderful and a God send. He helped me figure out all the different insurance companies since he represents most of them, he has an objective view of insurance. Anytime I needed him, he has been there for me and when I was diagnosed with breast cancer he helped me come up with a game plan to get through it and financially saved me money.

Loving Couple

Melody Baker

Eddill Equities, LLC

Moving from NY, I was concerned that I would not be able to receive the same level of care and concern for both my family and my business needs. Not only has Bill exceeded all those expectations, he has repetitively gone that extra distance providing services outside the scope of his responsibilities that has alleviated stress for me. I want to thank Bill for his continue help, support, friendship, and professionalism. And his wife, Sony, is incredible too. They feel like we have extended family here now.

Nate the Nomad

Hey Guys this is Nate Allen and I am a good friend of Bill and also a traveler around the world with a backpack and a motorcycle. Bill's always been the man to make sure I was up to date with the most current plan and has uploaded hundreds of documents on my behalf.  He's even looked at other policy options that he doesn't even have a contract with to be sure I got the most coverage while I'm out of the country. He gets a massive thumbs up from me and if you need any help, I'm sure Bill will go beyond the call of duty to make sure you are taken care of.