Group Health

 If you're not looking to submit your information into a quote form online and have it sold to multiple agents that call you until the end of time, then you're in the right place. Employer Group Health Insurance in Oklahoma can be low cost for both the employee and the employer. As an Independent Insurance Agent, I'm able to compare the options and find the right fit for your needs and budget. My assistance doesn't cost you and it doesn't affect your premiums. I'm paid directly by the insurance carriers and I never add broker fees to plans that I sell as some brokers do. As I've said before, insurance is about transferring risk. Underwritten Group Health Insurance Plans might be a better option for you if your employees are in good health. There are plenty of Group plans that don't require underwriting. Everyone is different and what might be a good fit for one may not be for another. The best way to determine the direction that you should go is for us to have a conversation. Call me at 918-872-0495 or email Rick@HMLChoices.com. I'm my own competition so if an insurance company comes to Oklahoma offering Group Health, I get appointed to sell it.   

Lets Connect

The journey of finding the right insurance doesn't have to be daunting. Reach out, and let's embark on this journey together.

You can stop by my office or use the contact info below for any questions and inquiries


A little About Me

I find out what your needs are and then from my pool of multiple carriers, I find the right plan that meets your needs & budget. Benefits: It doesn't increase your premiums to have me as your an agent, it avoids the pitfalls mentioned above, and it saves time shopping individual insurance companies.


As an Independent Broker /Agent, my goal is to offer every Medicare plan option available.  Medicare requires this disclaimer verbatim even though I do offer every plan available in Tulsa County except for I-SNPs which are MA plans for individuals in an institution.  Medicare Disclaimer: "We do not offer every plan available in your area.  We represent a number of MA organizations, which offer products in your area.  Any information we provide is limited to those plans we do offer in your area.  Please contact Medicare.gov 1-800-medicare or your local State Health Insurance  Program to get information on all of your options. "   Obviously, Medicare is requiring this due to some brokers on a local and national scale not offering all plans in all areas.  

I'm licensed in Oklahoma, Texas, Louisiana, Arkansas, Missouri, Kansas, Nebraska, Colorado, Utah, Idaho, Ohio, and Virginia.