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Individual Health + Medicare

Life transitions come with many changes, including changes to your insurance coverage. Whether you don’t have access to group health insurance and need to transition to an individual health plan or you’re planning on retiring and want to use Medicare, navigating the complex marketplace can add stress to an already complicated experience.

Healthcare and Medicare

Trust in an advisor who understands the ins and outs of the industry to get you through. Virginia Van Haren, our Individual Health and Medicare specialist, will work with you to understand your circumstances, make recommendations that fit your needs, and ensure you’re following the correct policies and procedures for your coverage.

Individual Health Plans

Choosing an individual health plan is a bit more difficult than signing up for a group health insurance plan, but there is a benefit – choice. When you decide to pursue an individual health plan, you have the entire marketplace at your disposal. M3 can help educate you on your options and provide guidance on smart insurance decisions that fit your needs and fall within your budget.

You may be able to customize your individual plan by choosing:

  • Deductibles
  • Copays
  • Out-of-pocket limits
  • Provider network physicians

Individual Dental Plans Available Through Delta Dental

Whether you’re self-employed, transitioning from an existing dental insurance plan, retired, or just need dental coverage because your employer doesn’t offer it, we offer cost-effective choices for individuals and families through our partnership with Delta Dental.


Be certain to choose “Virginia Van Haren” as the agent on the quote form. If you have questions or concerns, you can reach out to Virginia directly.

Dental Insurance

Medicare Health Insurance Program

The good news: if you’re 65 or over, you can sign up for Medicare. The bad news: it gets a little confusing from there.

M3’s Individual Health and Medicare team can untangle Medicare’s terminology, requirements, and policy structure and present your options in a clear, concise fashion. We’ll work with you to determine what is essential for you, and can provide specific recommendations for Part D prescription plans and supplemental coverage that can offset out-of-pocket expenses.