Private Health Insurance & Supplemental Plans
As an independent broker with 40 years of carrier relationships, Riley Knight shops the entire private market on your behalf. There is no one-size-fits-all plan—every recommendation is tailored to your doctor choices, budget, and family needs.
Private Medical Insurance
Most RequestedComprehensive major medical coverage with broad PPO networks
Designed for individuals and families wanting freedom to choose top doctors and specialists without restrictive HMO gatekeepers. Tailored deductibles and out-of-pocket limits.
Plan Highlights & Features:
Who This Plan Is Ideal For:
Custom Monthly Rate Quotes Available
Rates depend on your age, location, and coverage limits. Riley will provide side-by-side rate comparisons from top carriers.
Medicare Supplemental Insurance (Medigap)
Seniors & 65+Fill the costly out-of-pocket gaps in Original Medicare
Original Medicare (Parts A & B) leaves you on the hook for deductibles, 20% coinsurance, and excess charges with no annual cap. Medigap plans pay those unexpected costs so you have predictable healthcare expenses.
Plan Highlights & Features:
Who This Plan Is Ideal For:
Custom Monthly Rate Quotes Available
Rates depend on your age, location, and coverage limits. Riley will provide side-by-side rate comparisons from top carriers.
Dental & Vision Insurance
Essential preventive and restorative care with day-one benefits
Keep routine checkups, cleanings, and eye exams free or low-cost, while safeguarding against expensive root canals, crowns, implants, lenses, and designer frames.
Plan Highlights & Features:
Who This Plan Is Ideal For:
Custom Monthly Rate Quotes Available
Rates depend on your age, location, and coverage limits. Riley will provide side-by-side rate comparisons from top carriers.
Life Insurance (Term & Whole Life)
Guarantee your family's financial legacy and debt-free security
Protect your loved ones from mortgage burdens, living expenses, education costs, or provide permanent cash-value accumulation with personalized term lengths and whole life guarantees.
Plan Highlights & Features:
Who This Plan Is Ideal For:
Custom Monthly Rate Quotes Available
Rates depend on your age, location, and coverage limits. Riley will provide side-by-side rate comparisons from top carriers.
Accident & Injury Insurance
Cash payouts directly to you for unexpected injuries & ER visits
High deductibles can make sports injuries, falls, or car accidents financially crippling. Accident coverage pays tax-free cash straight to you to cover your deductible, rent, or groceries.
Plan Highlights & Features:
Who This Plan Is Ideal For:
Custom Monthly Rate Quotes Available
Rates depend on your age, location, and coverage limits. Riley will provide side-by-side rate comparisons from top carriers.
Cancer & Critical Illness Insurance
Vital ProtectionDirect financial shield against cancer, heart attacks & strokes
Health insurance covers hospital charges, but doesn't replace lost income, experimental therapies, travel to specialty clinics, or out-of-network experimental treatments. Get $10,000 to $100,000+ lump sum on diagnosis.
Plan Highlights & Features:
Who This Plan Is Ideal For:
Custom Monthly Rate Quotes Available
Rates depend on your age, location, and coverage limits. Riley will provide side-by-side rate comparisons from top carriers.
Frequently Asked Questions
Everything you need to know about working with an independent broker
Do I have to pay any fees to work with Riley Knight?
No! Never. Independent insurance brokers are compensated directly by insurance carriers when a policy is written. State insurance laws mandate that premiums are identical whether you purchase directly through a carrier website or through an independent broker. Working with Riley gives you 40 years of personalized advocacy completely free of charge.
Can I get private medical insurance if I am self-employed or a 1099 contractor?
Yes! In fact, that is Riley's main specialty. Many self-employed people assume their only choice is the high-cost government healthcare exchange. We have access to nationwide private PPO networks that often offer significantly lower premiums and better doctor networks for individuals and families in good health.
What is the difference between Medicare Advantage and Medicare Supplement (Medigap)?
Medicare Advantage plans are managed-care networks (typically HMOs or restricted PPOs) with copays and pre-authorizations. Medicare Supplement (Medigap) works alongside Original Medicare, allowing you to see ANY doctor or hospital in the entire United States that accepts Medicare, with little or no out-of-pocket costs.
What if I am currently uninsured and worried about medical bills?
Call Riley immediately. We have special catastrophic, short-term, and low-deductible options specifically designed to get you protected immediately so a routine sickness or sudden accident doesn't drain your savings.