Disclosures

Why this page exists

Anyone buying health coverage is dealing with a market that contains a lot of bad actors. The reasonable response is to check who you are talking to. This page sets out what we are, how we get paid, and what we are not, in enough detail that you can verify it independently.

Licensing

Well Covered Solutions, LLC is a licensed independent insurance brokerage, licensed to sell insurance in Nevada, Utah, Arizona, Iowa, Texas, Florida and North Carolina.

We cannot offer, quote, or bind coverage in a state where we are not licensed. If you live outside those states we will tell you so rather than take your details.

Not a government agency

Well Covered Solutions, LLC is not affiliated with, endorsed by, or connected to HealthCare.gov, the Centers for Medicare & Medicaid Services, the Health Insurance Marketplace, or any federal or state government agency.

We are a private business. This website is not a government website. No part of this site is official government communication, and nothing here should be read as implying government approval of us or of any plan we discuss.

If anyone contacts you claiming to represent the government about your health coverage, or claiming that we do, be suspicious.

How we are paid

We are paid a commission by the insurance carrier whose plan you buy. You pay us nothing directly, and we do not charge consulting, application or service fees.

Marketplace premiums are filed with and approved by state regulators. The premium is identical whether you enroll through us, directly with the carrier, or on HealthCare.gov yourself. Using a broker does not add to your cost, and skipping one does not reduce it.

Commission rates differ between products. Life insurance and annuities pay substantially more than health coverage. We think you should know that when weighing anything we recommend, and we would rather say it here than have you discover it later.

Which carriers we represent

We are independent. We are not employed by an insurance carrier and we do not have a production quota with any of them.

We are not able to offer every plan available in every market. We can only place coverage with carriers we are appointed with, and there may be plans available to you that we cannot sell. You are always free to shop elsewhere or to enroll directly.

Enrollment partners

Online enrollment from this site is completed through HealthSherpa, a private company approved by the Centers for Medicare & Medicaid Services to handle marketplace enrollment. HealthSherpa is a separate business and is not operated by us.

When you follow an enrollment link from this site, Well Covered Solutions is recorded as your broker of record. That is how we are credited for the enrollment, and it is what allows us to help you with the plan afterward.

You can also enroll directly at HealthCare.gov at the same price, with no broker attached.

What we do not do

We do not sell your information. We do not sell leads and we do not buy them from lead generators.

We do not make unsolicited calls to people who have not asked to hear from us.

We do not sell short-term medical, fixed indemnity or health-share arrangements as substitutes for comprehensive coverage. Those products can decline you, exclude pre-existing conditions and cap what they pay, and they are frequently sold to people who believe they are buying real insurance.

We do not give tax or legal advice. For ICHRA plan documents, tax treatment or ERISA questions, talk to your CPA or benefits counsel.

Errors and omissions coverage

Complaints and how to check us

If you are unhappy with something, tell us first: ollie@wellcoveredsolutions.com or 702-213-7375. Most problems are faster to fix directly.

You can also complain to your state insurance regulator, which supervises licensed producers and can investigate independently of us. In Nevada that is the Nevada Division of Insurance; in Utah, the Utah Insurance Department.

Our Better Business Bureau profile is public and linked from this site. Producer licenses can be verified through the National Insurance Producer Registry at nipr.com.