Health coverage is the policy people understand least and pay the most for. We go through what you are eligible for, what each option actually covers, and where it leaves you exposed, before you sign anything.
Most people pick health coverage on premium alone, then find out what it does not cover at the worst possible moment. We would rather spend the time up front. As an Ohio Farm Bureau health plan partner we can put those plans in front of you, walk through how they differ from coverage bought on the public marketplace, and be straight about which fits your household. If the better answer is something we do not write, we will tell you that too.
Most people come to us in one of three situations. Ty Finkbine handles all three.
For self-employed people, freelancers, 1099 contractors, gig workers, and anyone who retired before 65. We work through the Healthcare.gov marketplace with you, explain what each plan actually covers, and check whether you qualify for a premium tax credit that lowers what you pay each month.
For anyone approaching 65, already on Medicare, or eligible through a disability. Medicare has more moving parts than any other line we write, and the right answer turns on your prescriptions and which doctors you want to keep. More on Medicare below.
For local businesses, medical and trade practices, startups, and professional firms. Benefits are how a small employer keeps good people. We build a package that covers your team without straining what the business can actually spend.
Coverage decisions we walk Champaign County households through.
Individual CoverageHealth coverage for a single adult, including people between jobs, self-employed, or coming off a parent or employer plan.
Family CoverageCoverage for a household, where the right answer usually turns on ages, prescriptions, and which doctors you want to keep.
Farm Bureau Health PlansHealth benefit plans offered through Ohio Farm Bureau membership. Eligibility depends on membership and on the health questions in the application.
Understanding the Trade-offsPremium against deductible, network against freedom of choice, and what the plan actually does when something serious happens. The part most people skip.
Coordinating With Your Other PoliciesWe already write your home, auto or farm. Health sits alongside those, and we can look at the whole picture rather than one line at a time.
A Real Person at RenewalPlans change every year. You will have someone local to call when yours does, instead of a call center queue.
For people approaching 65, people already enrolled, and people who qualify through a disability.
Medicare choices can feel overwhelming, and most of what arrives in the post is written to sell rather than to explain. Ty Finkbine sits down with you, works out what you actually have, and compares your options against the two things that decide it: the medicines you take and the doctors you want to keep.
We are an independent agency, so nobody here has a quota on one carrier. If the better answer is something we do not write, you will hear that.
None of it is essential, and Ty will work around whatever you have.
Medicare questions go to a person, always. Ask for Ty Finkbine on (937) 653-1360, or tell our assistant what you need and it will take your details across to him.
What Champaign County households ask us most.
Yes. We help individuals and families in Champaign County work out health coverage, and we are a Farm Bureau health plan partner. Call the office and we will go through what is available to you.
Ohio Farm Bureau offers health benefit plans to its members. Eligibility depends on Farm Bureau membership and on health questions answered during the application, and these plans work differently from coverage bought on the public marketplace. We will explain the differences before you decide anything.
No. Ohio Farm Bureau membership is open beyond farming households. Membership is a requirement for the plan; farming is not.
That is the point of working with an independent agency. We will lay out what you are eligible for and what each option actually covers, and we will say so when something we do not sell is the better fit.
Yes. Ty Finkbine handles Medicare here, for people turning 65, people already enrolled, and people who qualify through a disability. Call (937) 653-1360 and he will go through your options with you.
We check whether you qualify for a premium tax credit, which is the subsidy that lowers your monthly premium on a Healthcare.gov plan. It depends on your household income and size. We will work it out with you rather than leave you guessing at the application.
Yes, for groups of 1 to 50 employees. We work with local businesses, medical and trade practices, startups and professional firms. Ty will look at what your team needs against what the business can spend.
Yes. Dental and vision come through Ohio Farm Bureau, and sometimes alongside another health carrier. Which route fits depends on the rest of your coverage, so it is worth a conversation rather than a checklist.
Call (937) 653-1360 or send us a message. We will ask about your household, your current coverage and your budget, then set a time to go through the options properly rather than over a rushed phone call.
Health and Medicare questions need a person. Ask our assistant, bottom right, and it will take your details and get you to the right member of the team.
They took the time to visit my property, learn about my business, and show genuine interest in our organizational mission. At first, I was hesitant — but they found coverage that actually made sense for our situation.Bobbi McKee — Verified Google Review
A conversation with someone local who will explain the trade-offs instead of quoting a premium and moving on.