Viles Insurance

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Open Enrollment with the marketplace is over. You may still be able to sign up if you recently experienced a Qualifying Life Event like loss of employer coverage or change in household size. If any of these apply to you please call, text, or email me to set up an appointment.

About us

We are Independent Insurance Brokers working with all the major insurance companies in Virginia. For the past 7 years my wife and I have helped thousands of people understand how to best mitigate their financial risk. We specialize in all types of insurance and are happy to share our knowledge. Give us a call.

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Scope Of Services

Below are the services we provide to clients we’ve enrolled in a plan or have paid our an annual consulting fee. Services are provided throughout the policy year.

Initial Enrollment appointment

Our appointments are all about finding the best fit for you. Everyone’s situation is different. During our meeting we can help:

  • Estimate your income for the upcoming year.
  • Explain the benefits and consequences of your income estimation.
  • Estimate what tax credits you may owe or get back for this year.
  • Determine the most cost effective arrangement of family members in one plan or multiple.
  • Help form a game plan for addressing specific medical needs.
  • Look up doctors and prescriptions to determine cost.
  • Enroll you in a plan.
  • Take your payment for the plan and possibly set up auto bill pay

All decisions related to your insurance choice are made by you and you assume the sole responsibility. We are here to help you make the best decision possible.

Answer any questions related to insurance

We are available to help with most anything insurance related. If you have simple or questions about your plan, big problems, or just want to talk something out we are quick to respond.  

We have seen and solved so many different problems that arise from dealing with doctors, hospitals, and insurance companies. We have better contacts with the insurance companies that allow us to solve complex problems a bit faster than calling the call center reps.

Denied Claims

If you get a denied claim from the insurance company, we will look it over for any inaccuracies and call the insurance company and/or the doctors office on your behalf to try to reduce your cost.

Submitting documents to healthcare.gov

After we enroll you in a plan you may have to submit documents proving your income, citizenship or that you lost coverage.  Send these documents to us how ever it is convenient for you and we will upload them and email you to confirm its been done.   

Re-instatement

If you get canceled through no fault of your own, we will help get you re-instated.

Tax credit taken away

If your tax credit gets taken away, we can help put it back, if possible, and submit any proof Healthcare.gov needs.

Employer Coverage

If you are moving to an employer based plan, we can analyze it and compare it to your other options.  90% of the time the employer plan is the best option.   We also help employers manage their benefits so we know the ins and outs of that world as well. 

If your employer is looking to offer benefits we can sit down with them and explain all the variables and options in an educational manner and not in a salesy “buy this now” kind of way.

Help finding an in-network doctor

We check if your doctors in network or help you find one that is.  Please call 911 in an emergency. Not us. If its an emergency goto the closest hospital.

Make a payment

It’s always best to call the number on the back of your insurance card. See below for the general customer service numbers. Get in touch if you have any questions or problems.


Anthem

Oscar

Cigna


Optima

  • Customer Service – 757-552-7274
  • Payments – (757)687-6434
  • www.optimahealth.com – Set up profile once you get member ID

Virginia Premier

If you have any trouble at all please contact me.

757-635-3425

VilesInsurance@gmail.com

Why use an insurance broker?

This is complicated stuff. I would gladly find other work if healthcare was somehow made super simple and easy to understand, but its not. An insurance broker can walk you through the signup process and offer tons of tips and tricks to bring your cost down as much as possible.

For some, all of your options stink. I can help you pick the least stinky option. Even if that option is going without insurance or a riskier short term catastrophic plan. I can walk you through the pros and cons of all your options.

Have you ever called a health insurance company? Was it helpful? If you work with a broker you can call them for any questions or problems that may arise. We have better contacts within the insurance companies that can sometimes solve issues faster than the call center reps.

Out of network out of pocket max. Does that make sense to you? I can explain these silly concepts in a way that makes sense.

The rate you pay for health insurance has commissions built into the price. You are paying that rate whether you use a broker or not. So when you don’t use a broker you are missing out on extra help that you are already paying for. These commissions and my consulting fee allow me to help you all year long should you have any questions or problems big or small. I am happy to help.