How it works
How Apex Health works.
No cost, no pressure, no call center. Here is exactly what happens when you reach out, who you talk to, and how we get paid. We think you should know all of it before you ever share a phone number.
The process
Four steps, one real person
- 1
Tell us your situation
Reach out by phone, text, our quick form, or a referral. The form takes about 90 seconds and there is no account to create. Just tell us who needs coverage and what is going on right now. That is enough for us to get to work.
- 2
We reach out the same day and learn what matters to you
A licensed advisor contacts you the same day, usually within minutes during business hours. We ask a handful of questions, your doctors, your prescriptions, your budget, what did or did not work about past coverage, and we write it all down. You never have to repeat yourself, even if a different team member helps you later.
- 3
We compare the major carriers and walk you through it
We shop the whole market, not one company's shelf. Then we sit with you, often screen to screen, and go through your real options in plain English. Before you commit, we confirm your doctors and hospitals are in network and your prescriptions are covered, and we look at the total cost, not just the monthly premium. No jargon, no pressure.
- 4
You decide, we handle the paperwork, and we stay with you
If a plan is right, we handle the enrollment for you. If you are not ready, we leave you a written proposal to think it over. Either way, we become your point of contact, handling renewals, answering questions, and checking in so your coverage keeps fitting your life.
Before you enroll
What we check for you
- Whether your doctors and hospitals are in the plan's network
- Whether your prescriptions are covered, and what they will actually cost you
- Any subsidies or savings you may qualify for and not know about
- The total yearly cost, premium plus deductibles and out-of-pocket limits, not just the sticker price
- Whether a lower-cost plan is genuinely a fit, or a gap that could leave you exposed
What it costs you: nothing
Our help is free to you, and here is why, plainly. Insurance carriers build an agent commission into the premium whether you use an agent or not. Buy on your own, and the carrier simply keeps that money. Use us, and that same built-in commission covers our help, your premium is identical either way.
And because we are independent, we are not paid more to put you with one carrier over another. We recommend what fits you, not what pays us best. If the Marketplace on your own is genuinely your best move, we will tell you that too.
Your information stays yours
When you request a quote, we record your consent so a licensed advisor can contact you, and we keep that record with a date and time. We only contact you about your coverage and options, never to sell you something unrelated, and you can tell us to stop at any time. We do not sell your information. See our Privacy Policy for the details.
We don't disappear at renewal
Plenty of agents vanish the moment you enroll. We do not. ACA and Medicare plans renew each year, and we schedule a review during open enrollment to make sure your plan still fits before it rolls over. Private and supplemental plans vary by carrier, so we track your timeline and reach out when a review or renewal is due. You will not get lost in the shuffle.
Ready to see your options?
Tell us a little about your situation and a licensed advisor reaches out the same day, usually within minutes during business hours. No spam, no obligation.
This is a solicitation of insurance. A licensed agent may contact you.