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Our DIfference

Personalization matters. According to a 2018 study by Accenture, a staggering 91% of all global customers are more willing to do business with companies that employ a personal touch regarding their customer service and marketing efforts. No matter what industry you serve, the customer experience is central, especially in the world of healthcare. According to a recent McKinsey report, patients who do not receive personalized care that addresses them as a person rather than just another diagnosis are 39% more likely to change their healthcare coverage as a result.

If you have recently become Medicare eligible, sorting through all your available coverage options can be a daunting task. Understanding the difference between each type of Medicare coverage can be confusing for even the most well-informed consumer.  You need a partner to help guide you through the world of Medigap coverage. That’s where Health Coverage Solutions comes into play.

In This Page

Our Difference
Get access to your Medicare
Our Mission
Generations of Trusted Leadership and Service
Testimonials
Talk to Real Professionals
Set an Appointment
Personalized Attention
The Health Coverage Solutions’ Advantage

Get access to your Medicare

Find out if you are eligible to get Medicare

LEARN MORE

Our Mission

At Health Coverage Solutions, we pride ourselves on helping consumers like you make knowledgeable, well-informed choices regarding healthcare coverage. Health Coverage Solutions is one of the nation’s leading providers of Medigap coverage plans which help consumers supplement their existing Medicare Part A and Part B coverage. Additionally, Medigap plans help to defray the cost of services such as co-pays, deductibles, and coinsurance that traditional Medicare plans do not always cover.

Making sure that you and your loved ones obtain proper coverage is at the heart of what we do. Moreover, it is our goal to leverage our experience, customer service skills, and healthcare expertise to form lasting relationships with each and every one of our clients, coast to coast. At Health Coverage Solutions, it is our mission to be a resource in your time of need, helping with everything from simple questions to complex changes in your coverage.

Generations of Trusted Leadership and Service

The team at Health Coverage Solutions has decades of experience working in the Medicare sphere. We pride ourselves on being a family-run business with a multi-generational pedigree within the industry. The roots of our business stretch back more than 30 years with founder Jon Ahlbum. Mr. Ahlbum has had a long and distinguished career serving Medicare-eligible individuals. As a Medicare Supplement Accredited Advisor, Mr. Ahlbum has spent a significant portion of his life learning the ins and outs of the Medicare program, extending top-tier Medigap coverage to families in need of supplemental insurance.

Now, his son Tim Ahlbum has taken over the reins, serving as president of Health Coverage Solutions. Tim brings more than 20 years of senior healthcare insurance experience of his own to the table. Like his father before him, helping seniors to find appropriate healthcare coverage has been Tim’s life work. It is that dedication to a family-run business that has propelled Health Coverage Solutions to their current level of success. The Health Coverage Solutions’ difference lies in the company’s rich experience and unique approach to customer service. From our family to yours, we are in the business of taking care of people.

Gabe and Susan B.

I would like to take this opportunity to comment on the care and service you have provided my family through United American.
I can honestly state that in the 9 years as a client we have not had one problem with UA.
It is much relief for my family – as we have been through some tough times with our health – not having to worry about medical costs to further complicate matters and reduce our stress.
It is a pleasure knowing we have such a good company supporting us.
With much appreciation……..

Gabe and Susan B
Boca Raton, FL

Lynda L.

I was at a loss about what to do for Medicare insurance.  I recently retired from the Florida Schools system, and that was complicating decisions I needed to make. Tim was recommended to me and I am grateful!  He took the time I needed to explain the details of my specific situation and to assist me in every way with my retirement, Medicare applications, and the timing of each.  He knew all of the different regulations and how to best align the insurance to meet my personal needs. He was very informative, competent, and personable to work with and broke everything down in a way that I could understand.  I would recommend Tim to anybody who needs to make healthcare coverage decisions. Tim is the BEST!

Lynda L
Tallahassee, FL

Mary N. and Lissa M.

We put our faith and trust in Tim when we were eligible for Medicare.  His guidance and expertise have seen us through years of unexpected health crises at Cleveland Clinic.  Throughout, we had only to worry about fighting a disease and never about bills, insurance, money or paperwork.  For that alone we could not be more grateful.  But his continuing interest in our policies and coverage, i.e annual prescriptions, continues to be a reassurance and money saver.
Thank you Tim for your continuing care and expertise.

Mary Nolan and Lissa Mohler
Daniels, WV

Ana P. and Rolando G.

Ten years ago when we retired, we moved to Weston, Florida. I searched the web for health insurance and  Tim Ahlbum was the first to answer.  That same afternoon he was at our house helping us choose the best plan for our medical needs! He proved to be very knowledgeable of the field, professional, and with a pleasant personality.  In these ten years, he has diligently taken care of any of our medical bill claims, always keeping our best interests in mind. At the annual renewal time, he comes to the house and over a glass of wine, he thoroughly evaluates the changes, if any, to our health status, and recommends the plan that best suits us. I am happy to say that today he is not only our health broker, but we consider him a good friend!

Ana P and Rolando G
Weston, FL

Ally E.

I had been searching for someone to help me with my health insurance, then I found Tim! I am so happy he is a total professional!
He listened to my needs and came back with solid solutions.  He not only got me the best plan he also saved me money.
He always responds quickly to questions and I never feel rushed or pressured.   I highly recommend using Tim, you will not be disappointed.

Ally E
Naples, FL.

Beth and Freddie S.

We have had a very good experience with this agency and Tim. We have been using them for years. They are very helpful and very good about calling you back. They know how to guide you for the best plan.

Beth and Freddie S.
Parkland, FL

Brian G.

I truly feel that your management of our major medical , physician and  prescription programs has been outstanding.  We go where we want and have never had an issue with our insurance program.

Brian G
Bonita Springs, FL

Jan K.

As a professional,  I expected immediate attention to detail and resolution to problems. Tim and his staff have exceeded my expectations and I will continue to refer my clients, family and friends .  Healthcare changes are a constant, I know that Tim will provide the appropriate coverage to fit my needs and  each and every new  potential client as well.

James T.

Tim has been my insurance agent for 25 years… He is so helpful and kind. I have recommended him to many friends!!

James T
Boca Raton, FL

Paul B.

Tim Ahlbum and Health Care Solutions were invaluable in providing guidance in selecting supplemental health/prescription coverage and life insurance tailored to fit my wife and my needs. They prepared and explained the cost/benefit analysis of each plan so we could make an informed decision.  They are a pleasure to work with and extremely helpful in answering and following up on questions regarding claim issues.  Recommended Tim and his company to my extended family.

Paul B
Hillsdale, NJ

Terri I.

I would like to give a shout out and thank Tim Ahlbum for a smooth guidance through a very confusing process of Medicare. Tim walked me through everything I needed to know about Medicare and what was good for my needs. I would highly recommend him as he’s professional and looks out for your best interest.

Terri I
Cooper City, FL

Talk to Real Professionals

At Health Coverage Solutions, you are the number one priority. Medicare enrollment is confusing, and the process comes with lots of questions attached. Unlike so many competitors in the healthcare industry, the team at Health Coverage Solutions prides itself on the personalized customer experience that we provide.

Unlike some of the nation’s largest healthcare insurance providers, we don’t employ legions of outsourced call center representatives. There are no mammoth, impersonal call centers here. Instead of faceless, dispassionate representatives, you’ll talk to a real person who’s knowledgeable about the world of Medigap coverage. At Health Coverage Solutions, we’ll never push off your call to a representative who lacks the requisite knowledge to help you make the best possible choice about your healthcare. We only employ well-qualified, licensed individuals with extensive experience in the Medicare market. You can rest assured knowing that our customer service representatives are industry professionals.

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Personalized Attention

Experience, knowledge, and industry-leading expertise are the cornerstone of an exceptional customer experience. At Health Coverage Solutions, we know the importance of watershed, life-defining events such as retirement. We also understand the challenges that go along with the diagnosis of a newly acquired disability. These are difficult moments, periods of rapid change and transition that are often marked by confusion. Our mission is to cut through that confusion and deliver you all the information you need to make an informed choice about your healthcare coverage options.

It is also our mission to form a personal bond with each one of our clients. That’s why we pledge our fidelity to a truly personalized customer experience with every interaction. We don’t follow the business model that gigantic, impersonal call centers use. Our representatives respect the time and attention necessary to sort through the complexities of Medicare eligibility. We treat everyone who calls as more than just a diagnosis; we treat them as an individual.

The customer success representatives at Health Coverage Solutions are trained to take their time with each customer query they receive. After all, we put a heavy responsibility on our team members. Each of our representatives will work with you for as long as you need, answering questions, laying out your options, and educating you on the overall process of Medicare enrollment. We view ourselves as more than just an insurance agency driven by sales. We give you all the necessary information so that you can make the right coverage decisions for yourself and your family.

The Health Coverage Solutions’ Advantage

Medicare enrollment is not an easy process. The Medicare program contains multiple moving pieces that must work together seamlessly in order to provide you with the coverage that you need to see you through your retirement.

Medicare helps millions of disabled Americans and individuals over age 65 every year, but there can be significant gaps in coverage depending on the plan particulars you choose. If you find yourself in need of supplemental insurance, Health Coverage Solutions can help you make up the difference with a Medigap plan perfectly tailored for you and your needs. Our mix of industry experience and superior customer service have made us the destination for Medigap coverage. To experience the Health Coverage Solutions’ difference for yourself, please contact us today.