Business Details
17 Years
experience
Emergency
services
Your Trusted Partner for Comprehensive Insurance Solutions
Joski Insurance was founded in 2009 by Cal and Jill Joski in Star, Idaho, after their relocation from Wisconsin. With over a decade of combined experience in customer service and insurance, the Joskis established the agency to provide personalized, trustworthy guidance in navigating complex insurance options. Our team of licensed agents specializes in Medicare, individual health insurance, dental coverage, and life insurance, serving clients across Idaho and expanding nationally. We prioritize understanding each client's unique needs through active listening and tailored recommendations, rather than offering generic solutions. Our commitment to transparency and education is demonstrated through free Medicare 101 seminars and detailed policy explanations.Having grown from a small family-run operation to a multi-agent team, we maintain our founding principles of integrity and relationship-building. Our agents bring diverse expertise, including specialized knowledge of Medicare Advantage plans, small-group health insurance, and final expense policies. We measure success through long-term client relationships and the peace of mind our coverage provides. Our office environment balances professionalism with approachability, reflected in our agents' active community involvement and dedication to continuous learning. This combination of technical expertise and personal care has earned us recognition as a trusted resource for insurance solutions.
Services
Medicare Advantage
Medical Supplement
Medicare Part D
Individual Health Insurance
Term Life Insurance
Dental Insurance
Universal Life Insurance
Whole Life Insurance
Final Expense Insurance
Details
- Year established: 2009
Highlights and features
- We offer 15+ years of combined Medicare insurance expertise
- Our agents provide personalized policy comparisons based on individual needs
- We host free Medicare 101 educational seminars annually
- Our team includes specialists in small-group health insurance plans
- We maintain 24/7 availability for urgent insurance consultations
What people say
Highly responsive
Dependable expertise
Savings of $30/month
Patient explanations
Home visit assistance
Services
Medicare Advantage
Medicare Advantage plans offer comprehensive healthcare coverage through private insurers. These plans include Part D prescription drug benefits and cover hospital stays, doctor visits, and skilled nursing care. Our specialists help clients compare network providers, prescription coverage, and out-of-pocket costs to find optimal plans.
Medical Supplement
Medigap policies cover out-of-pocket Medicare expenses like copayments and deductibles. We help clients evaluate different plan tiers (A-N) to determine which best matches their healthcare usage patterns and financial comfort levels. Our agents explain coverage limitations and enrollment timelines.
Term Life Insurance
Term life insurance provides death benefits for specified periods. We assist clients in calculating appropriate coverage amounts based on debts, income replacement needs, and future obligations. Our agents compare policies from multiple carriers to find competitive rates for different term lengths.
Dental Insurance
Dental coverage helps manage preventive and major dental expenses. We explain policy details including annual maximums, waiting periods, and coverage percentages for different procedures. Our specialists help clients determine if premium costs justify potential benefits based on their specific dental care needs.
Final Expense Insurance
Final expense policies cover end-of-life costs like funerals and medical bills. We help clients select appropriate coverage amounts while explaining policy features including graded death benefits and pre-existing condition exclusions. Our agents ensure beneficiaries receive clear policy documentation.
People
Cal Joski
Co-Owner / Health Insurance Agent
Specializing in Medicare since 2009, Cal Joski combines technical expertise with outdoor enthusiasm. He focuses on making complex insurance concepts accessible while maintaining office operations in Star, Idaho.
Jill Joski
Co-Owner / Health Insurance Agent
Jill Joski brings extensive Medicare knowledge and artistic creativity to client consultations. She travels across Idaho to educate clients while balancing family commitments and quilting hobbies.
Jeffrey Joski
Health Insurance Agent
With over a decade of insurance experience, Jeffrey Joski specializes in Medicare and family coverage solutions. He combines policy expertise with family outdoor activities in his free time.
Julia Joski-Simmons
Health Insurance Agent
Julia provides Medicare expertise and conducts educational seminars. She combines insurance knowledge with appreciation for nature through hiking and camping activities.
Valerie Hahn
Health Insurance Agent
Valerie Hahn offers Medicare expertise informed by healthcare administration education. She combines professional service with personal adventures in travel and outdoor recreation.
Questions
What insurance options exist for seniors losing dental coverage?
We offer standalone dental plans for seniors transitioning to Medicare. These policies cover preventive care and major procedures with network provider options.
How do I determine appropriate life insurance coverage amounts?
We help calculate coverage needs based on debts, income replacement requirements, and future obligations like education costs or final expenses.
Can I get help understanding Medicare Part D prescription coverage?
Our agents provide detailed comparisons of formularies, coverage gaps, and premium costs across available Part D plans in your area.
Do you assist with small business group health insurance plans?
Yes, we help businesses evaluate group plan options, contribution models, and tax implications for employee health coverage solutions.
What happens if I need insurance help outside regular business hours?
We offer 24/7 emergency insurance consultations for urgent coverage concerns or policy-related crises requiring immediate attention.
How can I verify if Medicare Advantage suits my healthcare needs?
Our specialists compare your current providers, medications, and usage patterns against network options to determine if Advantage plans offer cost or coverage benefits.
