ADAMAO | Health & Life

Protection for your health, your family, and your future.

Whether you do not have coverage, already have a plan and want to know if it still makes sense, or need to protect your family with life insurance, we help you understand your options, compare them, and move forward with clarity.

Health Insurance · Medicare · Life · Dental · Vision · Travel · Business
Since 2016
+2,000 Clients
Certified Agents
Bilingual Support · ONLINE

It’s not just about finding a policy.It’s about finding the right option for you.

We review coverage, cost, network, deductible, out-of-pocket maximum, benefits, and family needs to help you make an informed decision.

Start with your situation

What do you need help with today?

Choose the situation that best describes yours. That is exactly where our work begins.

I don’t have health insurance

We help you review available options based on your state, age, household, income, eligibility, and other applicable factors. We compare alternatives and explain premiums, deductibles, networks, copays, and benefits before you choose.

I want to see my options

I already have health insurance

We review whether your coverage still makes sense: monthly cost, deductible, out-of-pocket maximum, doctors, hospitals, medications, and benefits. If there are alternatives worth considering, we show them to you.

I want to review my plan

I have insurance, but I need help using it

We help you understand your plan, locate in-network providers, review how to select or change a primary care physician when applicable, and find key information about your benefits.

I need help with my plan

I need Medicare guidance

We review your situation and eligibility and explain available options and important differences so you can make a clearer decision.

I want Medicare guidance

I don’t have life insurance

We review how much protection you may need, for how long, your budget, family responsibilities, and goals to help identify what type of coverage may make sense.

I want to protect my family

I already have a life insurance policy

We review it with you: coverage amount, duration, beneficiaries, premiums, guarantees, and possible protection gaps. The goal is to confirm whether it still meets your needs today.

I want to review my policy
Real support

We don’t just help you choose.We stay with you throughout the process.

We want you to understand your coverage, know how to use it, and have a team you can turn to when you need guidance.

1. We evaluate your situationWhat you have, what you need, your budget, family, and priorities.
2. We compare optionsWe review cost, coverage, network, deductible, out-of-pocket maximum, and relevant benefits.
3. We explain what mattersIn clear language, so you know exactly what you are considering.
4. We guide you through enrollmentWe guide you through the application, documents, and steps needed to complete the process.
After enrollment

Our relationship does not end when you obtain coverage.

Our goal is to help you get more value from your coverage and support you when questions or changes arise.

01

Provider network

We help you locate doctors, specialists, hospitals, and other providers within your plan’s network.

02

Using your coverage

We help you understand where to find information about benefits, copays, deductibles, plan documents, and your primary care physician.

03

Ongoing review

When renewal arrives or your situation changes, we can review your coverage again to see whether it still makes sense.

Protection + strategy

We also help protect your wallet.

The lowest premium does not always mean the lowest total cost. That is why we look beyond the monthly price.

Monthly premiumWhat you pay to keep your coverage active.
DeductibleWhat you may pay before certain benefits begin to apply.
Out-of-pocket maximumA key figure for understanding your financial exposure during the year.
Network and benefitsDoctors, hospitals, medications, and benefits that can directly affect your experience.
Life Insurance

What is your situation today?

I don’t have a policyWe help you build a protection strategy based on your responsibilities and goals.I want to evaluate my protection
I already have a policyWe review it to confirm whether it still meets your current needs.I want to review my policy
I’ve been declinedWe review whether alternative options may be available based on your situation and eligibility.I want to review alternatives
Family or businessWe evaluate family, business, legacy, or key-person protection needs when applicable.I want to evaluate this protection
We can also help with

Other Health & Life solutions

Dental & VisionSupplemental options for individuals and families.I want to see options
Travel Medical InsuranceCoverage for certain needs within or outside the country.I want information
MedicareGuidance based on eligibility and available options.I want guidance
Business SolutionsOptions for employers and small businesses that want to evaluate benefits for their team.I want solutions for my business
Frequently Asked Questions

The questions that really matter before you decide

Can I get health insurance if I am self-employed?

There may be options for self-employed individuals. Eligibility and cost depend on several factors, so we review your situation before recommending alternatives.

Does my income affect the options available to me?

Income can affect certain options and programs. That is why part of the evaluation includes understanding your household, income, and other applicable factors.

Can my immigration status affect eligibility?

It can matter depending on the product or program. We review applicable documentation and requirements with you before moving forward.

Can I keep my doctor?

It depends on the plan’s network. Before you choose, we can help verify whether your doctors and hospitals participate in the options you are considering.

Can I change my primary care physician?

Many plans allow changes under certain rules. We guide you on how to verify this and make the change when applicable.

What if I take medications regularly?

Reviewing the drug formulary and plan terms is an important part of the comparison when ongoing medications are involved.

What is the difference between premium, deductible, and out-of-pocket maximum?

The premium is the monthly cost of maintaining coverage. The deductible and out-of-pocket maximum help determine what you may pay when using services. We explain how they work together before you choose.

I already have insurance. Can you review it even if I did not buy it through you?

Yes. We can start by reviewing what you already have to identify strengths, possible gaps, and whether other options may be worth considering.

How much life insurance do I need?

There is no single number for everyone. We review responsibilities, income, debt, dependents, goals, and budget to help estimate a reasonable coverage need.

I already have a life insurance policy. How do I know if it is still appropriate?

We review coverage, duration, premiums, beneficiaries, and current goals to help determine whether the policy still meets your needs.

Tell us what you need help with.We’ll help you organize the next step.

Message us on WhatsApp. We will review your situation and guide you through options that may apply to you, your family, or your business.

Connect

Professional guidance for individuals, families, and businesses.

ADAMAO | Health & Life
Information on this website is general and does not constitute medical, legal, or tax advice. Availability, eligibility, benefits, premiums, and coverage terms vary by product, carrier, state, underwriting, and policy conditions. Medicare has specific rules and enrollment periods. We can help you review options that may apply to your situation.
Need help? WhatsApp