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Fit First Health Insurance

Health Insurance for the Physically Fit

Fit First Health Insurance helps you find logical health insurance coverage. We create personalized insurance plans based on your health that reward you for being fit. The normal cookie cutter, marketplace general health insurance options simply don't work for everyone. If you are healthy and work hard to stay fit, we can help you find the right plan for you and your family.

When you make daily choices to improve your health, why shouldn't your health insurance provider reward you? If you're a safe driver, you qualify for better car insurance. Why doesn't it work like this with health insurance? General public health insurance options are not set up to reward you for being healthy. Here at Fit First Health Insurance, we reward your daily habits and fitness efforts. Our experience shows that in most cases, healthy people are actually being penalized for their good habits financially.


How It Works

Let Fit First Health Insurance Customize Your Coverage

health insurance application

Fit First's innovative team will custom design a health insurance plan that is cost effective. Our strategies are far more personal and are based on your life choices. Our goal is to put you and your family in a better position both health wise and financially.

Fit First Health Insurance will always look at the big picture when it comes to your health. You may not feel like you will qualify for "healthy insurance" but we can usually customize solutions to fit your needs.

What Our Clients Say

  • When we reached out to Sam, we immediately felt a sense of relief that he would help us to find the ideal insurance plan that was designed specifically for us with our budget in mind.

    John C.
    Ellicott City, MD

  • As a single person, I knew I was paying way too much for something I never used. Sam shared with me that he could help. He did indeed help me to lower my premium by more than $300 a month.

    Jamie F.
    Lexington, KY

  • I was surprised to see that I could actually get a great plan that fit my budget. He ended up getting me insured within a couple of days and everything was easy and effortless.

    Shane C.
    Lexington, KY

  • The plan he created is user friendly, affordable and includes doctors visits. 5 STARS for Sam and his team. We can't recommend them enough!

    Holly D.
    Bishopville, MD

  • We finally found a health insurance plan that is affordable and user friendly. Our agent Sam Clayland recommended a plan that included doctor visits which we ended up using almost immediately.

    Kristen J.
    Lynchburg, VA

Read Full Testimonials

FAQ

Got Questions? We have you covered.

  • What is Fit First Health Insurance?

    We are a company who puts your unique situation first. By identifying your needs and evaluating all facets of what makes you, you. By evaluating your health, income, occupation, and other factors, we are able to direct you to the best health insurance options available and customize the best plan for you.

  • What makes Fit First different from other health insurance plans?

    Our fact finding mission and consultative approach. With us, one size doesn't fit all. We put your health insurance and personal needs first.

  • Why do you need to know about my lifestyle to qualify for this health insurance?

    There are different plans for different people based on your unique situation, occupation, family dynamic and lifestyle. Not everyone is an orange. Some of us are bananas. Your lifestyle is an important aspect when determining which plan is right for you. We can better determine what you qualify for once we determine your needs.

  • Are there any specific health requirements I need to meet to enroll in a Fit First plan?

    It all depends on the type of plan you need. Preferred, Standard, Group , marketplace. What do you want? What do you need? We will determine these answers together.

  • Can you still help me if I'm not in tip top shape?

    Absolutely, We have multiple options. We need to determine which plans fit. 

  • Why do people trust us with their health insurance coverage?

    Our process. From the moment you speak with us, it will immediately become clear that we care about your needs first. This separates us from those other high pressure Insurance SALES tactics. We believe in putting our clients first. 

  • How will I know how much my insurance plan will cover?

    We can go over these details together. We want you to be comfortable and know how your plan works before you enroll in a plan. After all, you have input on designing your own plan.  

  • What does Fit First Health Insurance cover?

    This always depends on what type of plan you have chosen. Always remember, your input determines your plan. We customize everything around your needs. You will be invested in the type of plan you have.

  • What is a deductible?

    A deductible is an amount you are willing to be responsible for before the insurance starts to pay. In essence, you are self insuring until you reach that dollar amount whether its $2,500,  $5,000, 10,000 you will be responsible for that portion of the bill. Some plans have first dollar coverage benefits that are paid regardless of the deductible. However, not all types of insurance plans carry a deductible. We can discuss all these factors.

  • Do I have coverage for prescription drugs?

    Yes. If you need prescription drugs. The level of R/X benefit will depend on what you want and your needs.

  • What is my monthly health insurance investment?

    That will depend on the type of plan you want and the benefits within the plan. Some of the factors that determine this are: dental coverage, vision coverage, and number of doctors visits. We can figure out all of these details together. Everything being equal, your good overall health is generally the most important factor in determining your premium/monthly investment.

  • How do you calculate my monthly health insurance investment?

    We will do that together after we figure our out what you want and see what fits your needs and budget.

  • Does Fit First Health Insurance offer Affordable Care Act or Obamacare plans?

    We offer different plans for different peoples situations. A market place plan maybe the right plan for you. Or maybe, a preferred health plan is the correct fit. We will find out what fits and guide you through the process. We will also make recommendations and give you options so you will be comfortable with your choice.

  • How do you protect my personal health information?

    You will be dealing with Licensed Insurance Agent through a Major Insurance company with secure software that adhere to Federal HIPP laws ( Health Insurance Portability and Accountabilities Act of 1996)

  • How do I make changes to my insurance plan?

    We can discuss this before you pick a plan. Once you have enrolled in a plan, you will have an insurance card with all the information you need. And of course if you forget, you can always contact the office and we will help you.

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