Legal Disclaimer & Licensing
Not a Government Agency
Coverbrook is an independent health insurance agency and is not affiliated with the federal government, the Health Insurance Marketplace® website, or any state government entity. This website is owned and operated by Coverbrook, a licensed insurance agency.
Nature of Insurance Products
The plans marketed on this website are primarily "Short-Term Medical" (STM), "Fixed Indemnity," and other non-ACA compliant health insurance products.
- Not ACA Compliant: These plans are not required to comply with certain federal market requirements for health insurance, principally those contained in the Affordable Care Act (ACA).
- Pre-Existing Conditions: Unlike ACA plans, the plans offered here may not cover pre-existing conditions and may have lifetime or annual coverage limits.
- Not "Minimum Essential Coverage": Coverage under these policies may not satisfy the requirement to maintain "minimum essential coverage" under the Affordable Care Act.
No Professional Advice
The content provided on this website is for informational purposes only and does not constitute financial, legal, or tax advice. While we strive to provide accurate and up-to-date information, insurance laws and carrier policies change frequently. Please consult with a qualified professional before making financial decisions.
Licensing
Coverbrook is a licensed insurance agency based in Michigan.
Principal Agent: Kevin Virgil
National Producer Number (NPN): 21254207