Financial Planning Concepts, Inc.

Facts show that medical costs have increased at an alarming annual average rate of 12%.

At Financial Planning Concepts, our negotiating skills result from years of experience and study of insurance companies price/rate trends, cycles, and insurance underwriter behavior patterns. As your agent, we will use our knowledge and experience to reduce your rates in most cases by quoting all plans that you are eligible for and negotiating with your existing plan carrier. We will analyze your plan design, receive all the eligible quotes, prepare analysis and negotiate with your existing plan carrier to reduce rate increases.

We start our work 4 months prior to your plans renewal. We do not charge fees for our services, we are paid by the insurance carriers.