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Quality Health Insurance Plans for You
At Covered with Culler, we believe that everyone deserves access to quality healthcare. Whether you are an individual, a family, or a business, we are committed to providing you with the coverage you need to stay healthy and secure. Let us help you find the right plan for your needs.
Your Health is Our Priority
We Accept a Wide Range of
Health Plans
At Covered with Culler, we prioritize your well-being and accept various health plans to ensure that you have access to the healthcare services you need. Our goal is to make quality healthcare accessible and convenient for you.
Expert Guidance from
Healthcare Specialists
Our team of healthcare specialists is committed to providing you with expert guidance and support in choosing the right health insurance plan. With our specialized knowledge and resources, we ensure that you receive the best possible coverage for your healthcare needs.
Committed to Excellence in
Healthcare
As the leading health insurance agency in the area, we are dedicated to providing top-notch healthcare services to our clients. Our commitment to excellence has made us the number one choice for individuals and businesses seeking reliable health insurance solutions.
Why is Private Health Insurance Right For Me?
"I don't really use what I have"
If you don't ever use your health insurance, why are you paying an arm and a leg for it? There are plans made specifically for people who aren't "frequent fliers" at the doctor's office - these are called Private Healthcare plans!
"I feel like I'm overpaying"
As the leading health insurance agency in the area, we are dedicated to providing top-notch healthcare services to our clients. Our commitment to excellence has made us the number one choice for individuals and businesses seeking reliable health insurance solutions.
"I'm healthy!
Why am I paying so much?
Healthcare plans are based on your health since they are medically underwritten. You are put into a pool of other healthy people. This lowers the overall risk class and allows the insurance companies to give preferred rates to people like you!
"I travel often and need options"
Most Obamacare/Marketplace plans are only EPO or HMO networks, meaning your coverage is limited to the county you live in.
Private Healthcare plans are all PPO options, meaning your coverage will ALWAYS be there.
Who wants to worry about insurance when you take a vacation? Not me!
ABOUT
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Low Deductible Plans
Wellness Benefits
PPO Network
At Covered with Culler, we are dedicated to helping our clients navigate the complex world of health insurance. Our team is made up of passionate individuals with a genuine desire to help people. We are committed to providing exceptional service and ensuring that our clients feel valued and supported throughout the entire process.
We understand that healthcare can be overwhelming, which is why we strive to make the process as simple and stress-free as possible. Our goal is to ensure that our clients have access to the best healthcare options available, and that they feel confident in their decisions.
If you are in need of health insurance or have any questions about our services, please don't hesitate to contact us. We are here to help.
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Joshua Culler
CEO | Covered with Culler
Licensed Insurance Advisor
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Family is my absolute top priority! I’m incredibly proud to be a husband and the father of two fantastic little boys. As a business owner and dedicated family man, I embrace the exciting challenge of balancing a thriving company while providing my loved ones with love and support. It’s all about mastering time management, setting clear boundaries, and wholeheartedly committing to both my professional and personal life!
SERVICES
Work with the best healthcare providers to ensure the best care for our clients
We understand that each individual or business has unique insurance needs. Our team will work with you to create a customized insurance solution that fits your requirements.
We offer a wide range of coverage options to ensure that you and your family have access to the healthcare services you need, when you need them.
Health Insurance is not an easy path to navigate. We take the time to find the right plan that fits within your budget and has the medical providers and benefits you require!
Why Choose Us?
We are always here for you as your personal health advisor. We take customer service to the next level.
As National Health Advisors, we have access to every plan.
A ONE STOP Shop for anyone needing help!
Plans We Offer
Vision
Health
Dental
Who We Work With
Individuals
Families
Self Employed
Small Businesses
Licenses
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Alabama
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Arkansas
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Colorado
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Delaware
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Florida
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Georgia
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Illinois
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Indiana
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Iowa
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Kansas
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Kentucky
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Louisiana
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Maryland
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Michigan
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Mississippi
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Montana
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Nebraska
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Nevada
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North Carolina
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Ohio
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Oklahoma
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South Carolina
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South Dakota
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Tennessee
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Texas
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Utah
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Virginia
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West Virginia
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Wisconsin
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Wyoming
FREQUENTLY ASKED QUESTIONS
What are the biggest differences between these types of insurance plans?
ACA/Obamacare
best for those with pre-existing conditions or those needing maternity coverage. It is affordable if you are under the income threshold that qualifies you for government subsidies. If you aren't getting government assistance, it is extremely expensive. These plans are mostly high premium/high deductibles because anyone can get on them.
Employer Plans
most are great for the employee because the employer is legally responsible to pay 50% of the employee's monthly premium. The downside is that the employer is not responsible for paying anything towards family add-ons. This causes the price to jump up significantly when adding family members and can get pretty costly because the family will be paying full price to be added to the plan.
Private Insurance
is medically underwritten, meaning you have to qualify based on your health. Since you are in a lower-risk pool of people, you get a lower premium and preferred rates, so they are more affordable than most plans with BETTER coverage.
What are health insurance prices based on?
Public Marketplace/ACA/Obamacare plans
based on income, zip code, and age. If you don't qualify for government subsidies, they can be very expensive.
Private plans
based on health, age, and zip code. If health insurance is ever suspiciously cheap, it is usually not a fully comprehensive plan. These are usually short-term or cost-sharing plans with VERY limited coverage. These types of plans also have no coverage for pre-existing conditions.
Do I only have the "open enrollment" period to be able to set up private insurance?
This only applies to Public Marketplace/ACA/Obamacare plans. You can also get on these plans with a qualifying life event or during Open Enrollment. Public plans can also be canceled at any time. So if you were to find coverage somewhere else that fits you better, there is no issue switching.
Private plans are available year-round! There are no limitations of when you can get on and off of private healthcare.
Is private health insurance really expensive?
It is much less expensive than you think! Since the rates for private healthcare are based on health and not income, you will generally see lower prices AND better benefits if you can qualify. I personally saved $2400 a year alone.
Will private plans cover me anywhere I go?
YES! Nationwide coverage, on and off the job. All private plans are PPO networks, so you aren't limited to coverage in your zip code/county like many plans. You are covered anywhere you go!
Do you only work with health insurance? What about dental, vision, etc?
No! I can also write policies for Dental, Vision, Life, Supplemental, Critical Illness, Accident Disability, etc. I have many trusted referral partners so I am happy to guide you to one of them If you need something I can’t help with.
CONTACT
Know a friend or family member who wants or needs help with their health insurance?
We would be honored with the privilege to help you and your family with your specific health coverage needs and also your friends, coworkers, or anybody you know who might need help with their health insurance. A referral can change someone's life and is also the greatest compliment anyone could pay to our company!
Let's Chat!
At Covered with Culler, we understand that finding the right health insurance can be a daunting task. That's why we are here to help.
Fill out the adjacent form and let us guide you through the process of finding the best health insurance options for you, your loved ones, or you business.
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Joshua Culler
302-983-5157 - Call / Text
Hours
Monday-Friday: 8am - 7pm
Saturday: 9am - 4pm