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At Mayberry Advisors, we offer a personalized touch to finding the right health insurance coverage that best fits your life's puzzle. We know that health insurance is more than just a policy; it's your safety net, and we're dedicated to weaving that net together with care. We offer a wide variety of quality insurance plans, provide you with trustworthy guidance from a licensed insurance agent and back it up with years of comprehensive customer service to support your changing needs.

While we aim to find you competitive rates, our focus at Mayberry Advisors is on value and suitability. It is akin to the old adage, “if it feels too good to be true, it probably is—namely, any company who says they can 'guarantee' the lowest rates is one you should look at very skeptically. Health insurance isn't one-size-fits-all, and the cheapest plan isn't always the best. We're committed to finding you a plan that balances affordability with comprehensive coverage.

An HMO, or Health Maintenance Organization plan, is like a local community club for healthcare. You choose a primary care physician within a local network, and this doctor becomes your health care coordinator, referring you to specialists within the HMO. It's a cost-effective plan that emphasizes preventive care, but keep in mind, venturing outside the network usually isn't covered.

A PPO, or Preferred Provider Organization plan, offers more freedom to see doctors inside or outside of your network. Think of it as having a larger neighborhood to explore for your healthcare needs. You don't need referrals for specialists, and while staying in-network saves you money, you have the flexibility to choose other providers, though at a higher cost.

A Point of Service plan is a hybrid between HMO and PPO plans. You have a primary care doctor in a network, like an HMO, but you can also see out-of-network providers, like a PPO. It's a flexible choice, offering a balance between structured care and the freedom to go out of network, usually with a referral.

An HSA, or Health Savings Account, works like a tax-advantaged medical piggy bank. You can contribute funds pre-tax, let them grow tax-free, and use them on qualified medical expenses without paying taxes. It's paired with high-deductible health plans and is great for saving for future health costs.

A copayment, or copay, is your share of the costs of a healthcare service, usually paid at the time of service. It's like picking up your share of the tab at a group dinner — a fixed amount for each service, such as a doctor's visit or prescription.

A deductible is the amount you pay for health care services before your insurance begins to pay. It's like the initial amount you handle in a project before calling in reinforcements. Once your deductible is met, you usually pay only a copayment or coinsurance for covered services.

Coinsurance is your share of the costs of a healthcare service, calculated as a percentage of the total charge for the service. Once you've met your deductible, coinsurance is like a cost-sharing agreement where you cover a portion, and your insurance takes on the rest.

Eligibility for government health subsidies depends on your income and household size, relative to the federal poverty level. We can help you navigate the application process and determine if you qualify for any subsidies to help make your health insurance more affordable.

Getting coverage with Mayberry Advisors is a stress-free process. Simply reach out to us, and we'll help you assess your needs, explore different plans, and walk you through the enrollment process, whether it's during open enrollment or if you have a qualifying life event for a special enrollment period.