Budget &
Network Choice

With the ever changing insurance mandates, now is a great time to secure best benefits possible for you. Our licensed professionals are certified on both the public and the privates exchanges. We work with all major carriers in western PA. We can guide you through the subsidy process.

Open enrollment for individuals is during specified periods but we also assist with special election periods. We work with you to establish a plan that suits your budget and your preferred network.


What We Do

  • Determine your subsidy qualifications.

  • Help identify your coverage needs.

  • Evaluate hospital networks that include your physicians.

  • Process your enrollment.


Our Trusted Carriers


What Our Clients Say

Rebecca W.


“The media makes health insurance sound so complicated and the federal website for exchange coverage is overwhelming. With the help and advice of Chris, I selected the plan best suited to my needs.”

Employee of a Manufacturer


“When my son was injured in his little league game, my last concern was how to pay for the care he needed. Fortunately, my voluntary benefits supplemented my high deductible plan. I was able to receive payment for expenses I did not consider. Having the voluntary benefits alleviated additional stress when my child was hurt.

Ted McM.


“When I turned 65, the options to compliment my Medicare were overflowing my mailbox. A, B, C, D…so confusing. With the help of All Your Benefits, I found the plan that suited both my budget and my lifestyle all in one stop. They explained all of my options with all the major carriers.”

Frequently Asked Questions

We never charge our clients. Whether you are just looking for advice or enrolling with us, we will never charge you.

Yes, our plans and pricing comes straight from the carrier. We do NOT add fees or surcharges to the plans we offer.

Yes, we work with all of the major health carriers in Western PA and nationally. That means we will not favor one company or another based on commission or contracting.

We recommend reviewing your health benefits annually. With the growing cost of health insurance, budgeting your health costs is an important aspect.

Call the phone number on the back of your healthcare card.

Coinsurance is the amount you pay to share the cost of covered services after your deductible has been paid. The coinsurance rate is usually a percentage. For example, if the insurance company pays 80% of the claim, you pay 20%.

The amount of money you must pay each year to cover eligible medical expenses before your insurance policy starts paying. Deductibles are usually tied to coinsurance payments.
A spouse or child that is covered by the primary insured member’s plan. Plans may include a domestic partner too.
A list of prescription medications covered by your plan.
A health care financing and delivery system that provides comprehensive health care services for enrollees in a particular geographic area. HMOs require the use of specific, in-network plan providers. No out-of-network coverage.
A health insurance network that offers greater freedom of choice than HMO plans. Members of PPOs are free to receive care from either in-network or out-of-network (non-preferred) providers, but will receive the highest level of benefits when they use providers inside the network.
A period of time an individual has available to make changes in their plan. SEPs are triggered by significant life events i.e. marriage, divorce, birth/adoption, move to a new network, new job or retirement.
An HSA is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP). The funds contributed to an account are not subject to federal income tax at the time of deposit.

I Have More Questions

Fill in the form below to request a callback to discuss your questions and health insurance concerns.