Why Apex
An independent agent in your corner.
There are really three ways to buy health or Medicare coverage: alone on a website, through an agent who works for one insurance company, or through an independent agent who works for you. Here is what the third one gets you.
Independent means we work for you
An independent health insurance agent like Apex is not owned by any insurance company and is not captive to one carrier's shelf. We compare the major carriers available to you and recommend what actually fits your doctors, your medications, and your budget. Because we are independent, we are not paid more to steer you toward any one plan, so the only thing guiding our recommendation is what is right for you.
It costs you nothing extra
Here is the part people do not realize: the carrier builds an agent commission into your premium whether you use an agent or not. Buy on your own, and the carrier simply keeps that money. Work with us, and that same built-in commission covers our help, your premium is identical either way. You get an expert in your corner at no added cost.
A real person, not a call center
When you reach out, a licensed advisor handles you start to finish, not a rotating queue of strangers reading a script. We learn your situation once, write it down so you never repeat yourself, and walk your options with you in plain English, often screen to screen. One person who knows you, for the life of your coverage.
Built on an advisor's standard
One of our founders comes from the wealth-advisory world, where the job is to compare everything, be upfront about costs, and recommend what actually fits, not to push a product. We built Apex Health Advisors to work the same way: compare every carrier, explain it honestly, and stay accountable to you afterward. We treat your coverage as one piece of your bigger picture, not a one-time transaction.
Compare the paths
Three ways to buy, side by side
| What you get | Apex Health (independent) | On your own online | A captive agent |
|---|---|---|---|
| Compares the major carriers | Yes | You do it yourself | One company only |
| Costs you extra | No, carrier-paid | No | No |
| Checks your doctors & drugs first | Yes | Up to you | Within their plans |
| A named advisor, not a rotating queue | Yes | No | Sometimes |
| Stays with you at renewal | Every year | No | Varies |
And we don't disappear
Plenty of agents vanish the moment you enroll. We stay your point of contact, handle renewals, and check in so your coverage keeps fitting your life. See exactly how that works on our How It Works page.
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.