We make health insurance better!
Discover How To make Health Insurance Better and easier to use!
Learn how the right policy EMPOWERS YOU to shop the healthcare market just like you'd shop anything else!
Let us show how to use new types of policies and little-known ways to make health insurance work for you!
So you can actually go to the doctor and be healthy!
health insurance seems like a trap...Because it is!
Every plan you’ve been offered seems worse than the last!
Always more confusing, more expensive, and harder to use. And that's even if you can afford to use it all!
High deductibles mean you can't afford the doctor
Unexpected bills after care break your budget
Confusing at the worst possible time leaves you scared to actually get the care you need!
The worst thing is...it's all on purpose! For Profit!
The entire system is designed to take all of your money and payout as little as possible. Where do you think those big bonuses for health execs come from? Your premiums.
If you can afford to go to the doctor, they often deny your claim leaving you the "Balance Bill" we all fear.
The "contracted rates" aren't based in reality
Even if you do get care, the amounts they charge have nothing to do with what the care really costs to deliver. It's maddening!
We know how to work the Insurance System in your favor. Your Healthcare Conciergerie!
We've done all the confusing and time consuming part for you. We'll show you exactly what policies are best for you and how to best utilize them so you can stay healthy.
Types of policies you probably don't know about
Ways to access the care system you never thought of
The confidence you need to get the care you deserve
We are your Healthcare Conciergerie!
At your service, like a five-Star hotel!
Your Health Insurance plan is only as good as your ability to understand and use it.
We not only help you get the best insurance, we help you to use it and be healthy!
TESTIMONIALS
What folks are saying about the way we do business.
The Josh Grace Story
Posted with full permission.
"If you are looking for an agent that will have your back, you need to call Lacy..."
"If you are looking for an agent that will have your back, you need to call Lacy Marshall! I can’t thank her enough for all her support and help with our insurance needs!"
- Darla Greear
"Lacy is absolutely incredible!"
"I actually work for a doctors office and have been working with Lacy on a patients account and I am so impressed by how much she is fighting for her client to make sure her benefits are maximized. In my 15+ years in the field, I have seen nothing like it. Thanks again!"
- Kala K
"I am most grateful for the consultation and expert advice Tony provided."
"He helped me think through options and tested various scenarios to determine the best path forward in my daughter’s journey navigating the University of California health insurance requirements and mandates. Tony is thorough, professional, and patient, and he helped us determine the best insurance for my daughter’s specific needs."
- Susan L
"Lacy Marshall is our agent for PHCS and we could not be more thrilled to have her in our back pocket!"
"She didn’t just stop at the sell of our policy, she is always available if we have questions or need advice. If we receive a bill we weren’t expecting from a medical provider, she’s right there with us helping to ensure we are receiving great care and not being billed unethically.
This is the best insurance ever and we have the best agent of them all!"
- Kaitlin I
"Incredible company!"
"I am so proud to be a part and work with people who truly care about others. Rapha Health and Life goes above and beyond to make sure individuals have the correct health coverage!"
- Teresa D
"An amazing company!"
"Proud to be a part of this awesome company!! We put our people first and make sure they are covered correctly and efficiently!"
- Josh G
"Lacy is the absolute best in the field!"
"Caring, compassionate, and honest!! ❤️"
- Mackenzie M
"Absolutely amazing..."
"...I’m telling all my family and friends to go though Rapha health & life."
- Drizzle G
