Independent Insurance Agent

Ruth
Neuenschwander

my passion

The best part of my job is that I get to help self-employed individuals and small businesses find quality, affordable health insurance including major medical, dental, vision, short-term, no deductible, foreign travel, many supplements and more! Ask me how I could help you? No fee for my service. Contact me at my mobile phone 513 773 5959 or email rneuenschwander@myhst.com .

My job

My job is to educate you and help you to understand the process and the products available to you may you make an informed decision.

I’m a licensed professional and have received comprehensive certifications with the Health Care Reform.  I’m also accredited in all forms of State Health Care Insurance, vision insurance dental insurance and life insurance for individuals age 18-64, families, and groups.

TTHERE IS NO COST TO YOU TO RECEIVE QUOTES!

my experience

I’m a health insurance agent that shops all of the available options to best meet both your individual and business needs. As an agent, I represent you not tan individual insurance company. In order to find a solution that will work best for you, your family, or business. I help you select from your options to prepare for Open Enrollment and can help you navigate your choices during a change in qualifying circumstance. I look to reduce you overall cost, regarding your premium, deductible, and copayments and can walk you through all your options. If you or your employees currently have lower premium plans but are concerned about having high deductibles and out of pocket expenses, we provide unique lower cost with accident and critical illness riders to help eliminate those worries and might actually put money in your pocket if something unexpected happens. If you own a business and are worried about rising cost on healthcare to your employees, we can select an option that could reduce your employees cost and reduce or eliminate your business’s healthcare expenses. The goal in the today’s complex ever-changing environment is to know that you are taken care of specific needs, and that you don’t t have to worry about your finances if the unthinkable happens. I will work with you individually or work with your group to find you the solution that is best for you. Besides being able to offer all you Private Health Insurance options and the options through the Healthcare Exchange, including Government Subsidies if you qualify. I offer a total package of Supplemental Benefits (Disability) Dental, Vision, Accident, Critical Illness, Life insurance to name a few. As well as traditional Group, and self-founded Group plans. My services are FREE and don’t end when your policy begins. I am your adviser when you need help or have questions regarding your plan..