Business Details
41 Years
experience
Your Trusted Insurance Partner in Lewisburg, WV
Health Insurance Services has been dedicated to simplifying the complexities of health insurance since 1985. With over three decades of combined experience, our team specializes in navigating evolving insurance markets to empower clients with informed decisions. We prioritize free, local assistance and maintain a commitment to personalized service, ensuring clients receive tailored solutions for individual, family, and business needs. Our expertise spans major medical plans, Medicare supplements, dental coverage, and short-term insurance options.By partnering with a diverse range of carriers, we provide competitive pricing and comprehensive coverage. Our approach combines professionalism with a personable touch, ensuring every client interaction is both satisfying and memorable. Located in Lewisburg, West Virginia, we serve clients across the state with transparency and integrity. Our mission remains unchanged: to make health insurance accessible, affordable, and stress-free for all.
Services
Individual Health Insurance
Group Health Insurance
Medicare Supplement Plans
Dental Insurance
Short-Term Health Insurance
Life Insurance
Vision Insurance
Prescription Coverage
Critical Illness Insurance
Details
- Year established: 1985
Highlights and features
- We offer 30+ years of insurance market expertise
- Our team provides free, localized insurance guidance
- We partner with top-tier national insurance carriers
- We specialize in ACA-compliant health plan navigation
- Our brokers maintain active industry certifications
What people say
Knowledgeable staff
Personalized guidance
Free assistance
Competitive rates
Local expertise
Services
Individual Health Insurance
We provide comprehensive individual health insurance plans tailored to personal medical needs and budget requirements. Our experts analyze ACA-compliant options from multiple carriers to ensure optimal coverage. Clients receive detailed explanations of premium tax credits and enrollment timelines to maximize savings while maintaining continuous coverage.
Medicare Supplement Plans
Our Medicare supplement policies bridge coverage gaps in Original Medicare Parts A and B. We offer standardized Plan F and G options through top-rated carriers like Aetna and Cigna. Clients receive personalized comparisons of deductible coverage and out-of-pocket expense protection to ensure financial security during medical treatment.
Short-Term Health Insurance
We offer flexible short-term medical plans for transitional life periods. These plans provide temporary coverage for doctor visits, emergency services, and diagnostic testing with customizable deductibles. Ideal for job transitions or coverage gaps, our solutions include next-day activation and terms from 1-12 months.
Group Health Insurance
We help businesses secure competitive group health insurance packages for employees. Our brokers negotiate with major carriers to find cost-effective plans that maintain workforce satisfaction. Services include plan comparisons, enrollment assistance, and ongoing policy management to ensure employer and employee needs are consistently met.
Dental Insurance
Our affordable dental insurance plans cover preventive care, restorative treatments, and major dental procedures. We offer options with benefits for exams, cleanings, fillings, extractions, and orthodontic work. Clients receive guidance on selecting appropriate coverage levels based on individual or family dental care requirements.
People
Jim McCutcheon
Managing Broker and Consultant
With decades of insurance industry experience, Jim McCutcheon leads our brokerage operations. He specializes in ACA compliance and Medicare supplement policies, providing expert guidance to clients across West Virginia through personalized insurance solutions.
Malachi McCutcheon
Broker and Consultant
Malachi McCutcheon brings extensive knowledge of health insurance markets to his brokerage role. He focuses on helping clients navigate complex insurance options while maintaining our commitment to free, localized assistance and transparent policy explanations.
Denise Casto
Administrative Manager
Denise Casto oversees our administrative operations with precision and care. Her organizational expertise ensures smooth policy processing and client communication, maintaining the professional standards that support our personalized approach to insurance services.
Daisy Lively
Administrative and Sales Associate
Daisy Lively combines administrative expertise with client-facing sales support. She assists with policy documentation and coordinates client communications, ensuring efficient service delivery while upholding our commitment to exceptional customer experiences.
Questions
When can I enroll in ACA health insurance?
Open enrollment runs November 1-December 15 annually. Special enrollment requires qualifying life events like job loss or relocation, with 60-day enrollment windows.
Do you offer Medicare supplement plans?
Yes, we provide standardized Medigap Plans F and G through top carriers to cover Medicare Part A/B gaps, including deductibles and copays.
What's included in short-term health insurance?
Our temporary plans cover doctor visits, emergency services, diagnostic testing, and surgical benefits with customizable deductibles for 1-12 month terms.
How do premium tax credits work?
Tax credits reduce monthly premiums based on income, household size, and age. They apply only to Healthcare.gov Marketplace plans we help you navigate.
Can you help with group health insurance?
Yes, we assist businesses in selecting cost-effective group plans with major carriers, including enrollment support and ongoing policy management services.
Do you offer dental insurance options?
We provide comprehensive dental plans covering exams, cleanings, restorative treatments, and optional orthodontic work with multiple carrier options.