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.
HOSPITAL INDEMNITY PLAN
Fixed benefit health and income protection plans.
ACCIDENT BENEFITS
Accidents happen when you least expect them. You can't plan on them, but you can plan for them.
SPECIFIED DISEASE INSURANCE
Prepare to protect yourself from the costly medical procedures and expenses associated with fighting specified diseases and conditions.
CRITICAL ILLNESS
Protection when you need it most to help you cope with the high cost of recovering from a medical crisis.
DENTAL
Preventative, Basic, and Major Covered Services for you and all of your family's dental needs.
VISION
Vision plans to cover eyewear, contacts, and eye exams at the lowest out-of-pocket costs through the nations largest doctor network.
LIFE INSURANCE
Life insurance does not have to be scary and hard to get a quote, now you can get the advise you need and the ease you want.
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
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
Keeping Small Business Open & Thriving by
Providing Individualized Plans for Your Employees.
Looking for an Outstanding Solution for Employee Benefits?
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Lower Your Premiums
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Attract & Retain Great Employees
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Keep Costs Low with Wellness Services
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No More COBRA
SUBSCRIBE
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
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.
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.