FRANK SCHWARZ
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Self Service Insurance Quotes

Insurance is boring, confusing, and expensive.  Talking to insurance agents can be daunting.  Shopping for insurance is made less overwhelming when YOU have more information, including cost information.  Healthcare Solutions Team - Montana (HST-MT) provides the platform to run your own confidential insurance quotes…  So, you are better prepared to ask the right questions and make informed decisions.

These links are tied to HST-MT so your information is confidential and secure and will not result in your contact information being sold to marketing lists.


For quotes on the ACA MarketPlace (healthcare.gov), this webpage has a description of how the Marketplace works and a link to the HealthSherpa website. Insurance agents use HealthSherpa to look for available ACA plans in your area and determine the available tax credits you may be eligible for:

UNDERSTANDING ACA MARKET PLACE PLANS


Ameritas Dental Insurance is provides first day coverage and NO network requirement:

AMERITAS DENTAL AND VISION — www.HST-MT.com - Frank Schwarz


For Quotes on non-MarketPlace Health plans including Short Term, Fixed Indemnity, and Supplemental health plans offered by United Healthcare. Dental and Vision Insurance can be found as well:

UNITED HEALTHCARE HEALTH PLANS


For quotes on various kinds of Life Insurance use this link to ETHOS to discover the cost and different types of life insurance available:

GET INSTANT QUOTES FOR LIFE INSURANCE


There is a wide variety of Life Insurance options.  Call or email HST-MT and I can help you find something that best fits your family’s needs.  Also, if you do not know how much life insurance you need, please use these web pages to find tools that help you work though how much life insurance is appropriate for your family:

Life Calulator — www.HST-MT.com - Frank Schwarz

Life Insurance Planner — www.HST-MT.com - Frank Schwarz


Akos Direct is not health insurance – it is access to quality healthcare services.  Akos is a subscription to Direct Primary Care (DPC) health services offered through a virtual platform.  It is guaranteed acceptance of all ages and covers pre-existing conditions.  A simple monthly membership fee provides 24/7 unlimited access to your dedicated care team and includes expedited delivery of the most commonly prescribed prescription drugs.

It’s like modern day access to old fashioned house calls.

Akos with HST-MT


A Health Matching Account (HMA) works like a Health Savings Account (HSA) or flexible spending account. You contribute a fixed amount every month and HMA matches the funds available for you to use to cover Out of Pocket costs required by your health plan. It can also be used to purchase covered health expenses not covered by your health insurance plan.

HMA Health Matching Account


These quote links will allow you to enroll in any of the plans that you find.  However, it is recommended that you contact Frank at HST-MT by email or phone to ensure that this is the best option for your situation.  (You don’t have to, but it is recommended just to see if there may be something you have not considered.)  There are several other Insurance options not available in these links as well. Explore the other pages of this website for other Healthcare Solutions.

The goal of HST-MT is to provide a platform for education on Health, Life and Medicare insurance products. Most people hate to be sold and dread the feeling of “buyer’s remorse.”  Informed decisions are the best way to avoid buyers remorse.  

Insurance is about risk management – being prepared for the risk of the unknown.  The more risk adverse you are, the more insurance you purchase.  If you are willing to take on more risk, you can save premium dollars by considering different kinds and levels of insurance to manage risk in your specific situation. 

 

Contact

➤ LOCATION

Frank Schwarz

Billings, Montana 59102

☎ CONTACT

FSchwarz@myHST.com
Cell: (406) 655-2043

Call, Email or Text

Healthcare Solutions


the truth about insurance

Insurance is something that only provides a financial value when something bad happens. In “good times” insurance feels expensive.  But, when there is a serious illness or accident or even a death in the family, the in-force insurance is a shining light in the darkness.  Insurance is simply a tool that we take out when we need it.  Insurance is also a tool that you can only buy when you don’t need it – once you need it, the availability of insurance gets much more complicated.  Building your toolbox when you are young and healthy is optimal, but NOW is always the next most optimal.  Knowing what to put in your toolbox is the goal of HST-MT.


make medicare excellent

Medicare can be the best health insurance you ever had if you understand the options available to you.  Do you prefer to have a monthly premium and minimal out of pocket expense?  Or… do you rarely use healthcare services and want to minimize monthly expenses, and still be protected if serious health issues come up.  Are your prescription costs more than you thought they should be?  Review your Medicare choices every year at Open Enrollment to ensure YOUR Medicare coverage is the best fit for the coming year.


not your fathers life insurance

Just like telephones are no longer just a simple communication devise, Life Insurance is more than a payout in the event of an unexpected death in the family.  It is a strategy for paying off your home mortgage or maintaining the mortgage payments for years in case of serious illness, injury, or death.  Life insurance products can provide a tax free retirement or it can be a simple tool to safely build wealth that can be used for dream vacations, emergency funds or college funding. 


Let's Chat.

Use the form below to contact Frank about your insurance needs. My services are offered at no cost to you, I am simply available to answer any questions and to assist in researching available options.