Health Insurance That Helps You Feel Confident

Helping You Make Sense of Health Coverage That Works for Your Life

Navigating health insurance can be complicated, but it does not have to be. At the Harry O. Culp Insurance Agency, we help individuals, families, and business owners explore health coverage options that meet both their medical needs and their financial goals.

Whether you are searching for an individual health plan, exploring Medicare options, or setting up group benefits for your employees, we are here to walk you through the process clearly and confidently. Our team offers honest guidance and local support so you can make informed decisions without the confusion of online-only platforms or call center scripts.

We have helped people across Michigan understand and secure their health coverage for decades, and we’re proud to continue that tradition today.

Health Insurance for Individuals and Families

Health insurance is about more than just coverage, it’s about peace of mind. Whether you are self-employed, in between jobs, or no longer covered through an employer, we can help you review your options and enroll in a plan that protects your physical and financial well-being.

We can walk you through:

• Marketplace health plans (ACA-compliant)

• Off-market private health insurance options

• Short-term coverage

• Supplemental health plans

We also help you understand terms like deductibles, copays, coinsurance, and networks so you can choose a plan that truly fits your healthcare needs and your budget.

Medicare and Medicare Advantage Plans

Medicare can feel overwhelming when you’re first eligible. That’s why we provide one-on-one support to help you understand your choices and avoid costly gaps in coverage.

We can help you explore:

• Original Medicare (Parts A and B)

• Medicare Advantage plans (Part C)

• Medicare Supplement (Medigap) plans

• Prescription Drug Coverage (Part D)

We’ll explain the differences between plans, help you compare premiums and provider networks, and make sure your prescriptions and preferred doctors are covered.

Whether you’re just turning 65 or reviewing your options during Open Enrollment, our team is here to simplify the process and give you confidence in your choices.

Group Health Plans for Small Businesses and Farms

Offering health insurance to your employees is a valuable way to attract and retain talent, but it’s also a big responsibility. At the Harry O. Culp Insurance Agency, we work with business owners, farms, and family-run operations to create group health plans that work for everyone involved.

We’ll help you:

• Compare group plans from trusted carriers

• Understand contribution strategies and compliance

• Customize benefits based on the size and needs of your team

• Manage enrollment and renewals with ongoing support

We take the time to understand your business and build a benefits package that supports both your people and your bottom line.

Personalized Support, Not Just a Quote

We believe health insurance should come with guidance, not just a price tag. That’s why we offer real conversations, not just checkboxes.

You don’t need to be an expert on deductibles or plan tiers to make a smart decision. We’re here to break things down, answer questions, and help you find the right plan based on your life, your health, and your future plans.

As your needs change, we’ll be here to help you adjust your coverage, explore new options, or make sense of the latest changes in the healthcare landscape.

Why Work with the Harry O. Culp Insurance Agency

We’re a local, independent agency with decades of experience serving the people of Grand Ledge and the surrounding area. Because we’re not tied to any one insurance company, our advice is always based on what’s best for you, not what’s best for a carrier.

Whether you’re reviewing your own coverage, helping a loved one transition into Medicare, or setting up benefits for a small business, we’re ready to be your guide.