Simplified Health Insurance & Medicare coverage

100% FREE ASSISTANCE & YEAR ROUND CUSTOMER SERVICE.

Certified Consumer Brokers based in the Durham area, Licensed Nationwide.

Trusted by insurance carriers all over the country

Leading Specialists in Affordable Care Act Health Insurance & Medicare
based in Durham, NC

We are Durham’s health insurance and Medicare providers that will get you enrolled in the right plan at the lowest price, every time.

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Accurate Quoting

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Unique Plans Offered

Clients served

About Our Health Insurance Brokerage

ClearBenefits Group LLC is an Independent Health Insurance Brokerage based in Durham, NC. We have over 20 years of experience in the Health Insurance Industry.

We have helped thousands of customers with their major medical, medicare, disability, life, dental, and vision insurance needs.

We are a HELPING focused business! Every day our brokerage cuts through the “fog” of health insurance for our customers and helps them to CLEARLY understand what their options are and what they are getting.

Our health insurance brokerage covers the states of NC, VA, SC, GA, OH & FL and look forward to helping you next!

- Shonda R.

Don is very knowledgeable and professional. I'm newly retired and his expertise has helped me tremendously. I now have reputable and affordable Healthcare. I highly recommend this company. Thanks again Don and the ClearBenefits Team. 😊

Viswas P.

Don and his team are professional, knowledgeable, customer friendly and very prompt in responding to any questions, providing service. I have been using their help, expertise in understanding, navigating and buying health insurance from market place for me and my siblings since many years.

Dawn S.

I just want to say how professional and kind Don has been in helping me and my family find the right and affordable health care. He has come through for us in the past and when I needed it again this year. Highly recommend! Thank you

Ms. Lee

Friendly and so efficient. Always ready to help and they make sure you understand the choices you have and always happy to help you. I wouldn’t trust anyone else with our insurance needs.

Services

Affordable Healthcare for Everyone in Durham, NC and Beyond!

Medicare & Supplements

65 or older? Speak with a ClearBenefits expert and see what kinds of Medicare benefits you’re eligible for!

Affordable Care Act Plans

ACA-compliant plans ensure that you’re getting the best possible deal on your healthcare coverage!

Business Healthcare Solutions

Protect your workforce with a range of affordable plans, and improve productivity!

Mission

100% accurate quoting. Always.

ClearBenefits prides itself in offering 100% accurate quotes on your healthcare so you always know how much you’ll be paying before you pay it. And if you ever have any questions, our industry-leading customer service is available year-round, absolutely free. Discover our friendly nature by giving us a call today!

Quick & Easy Quoting

More affordable healthcare is a call away. We can’t wait to get to know you!

Help Available When You Need It

All of us at ClearBenefits are ready to share our collective decades of healthcare insight with you whenever you need the help. Don’t hesitate to pick up the phone!

Integrity

We pride ourselves in a top-quality customer experience and a top-quality product. That’s how ClearBenefits is the clear choice for your Medicare and ACA needs.

Frequently Asked Questions

Got any questions? We got you covered

I have received a letter from the Marketplace requesting income documentation, citizenship documentation etc, and I think it was already submitted and/or I am not sure what to do.?

You don’t need to do anything! We handle all marketplace documentation needs. Often the marketplace sends multiple letters about the same thing. We will reach out to you if we need additional documentation.

I need my 1095-A for tax purposes. How can I get it?

The health insurance marketplace mails 1095A forms to households in early February. If you require your 1095A sooner, we will email you your 1095A upon written email request. 1095A’s are emailed on each business Monday. We do not mail 1095A forms. If you need your 1095A sooner than the above, please call the health insurance marketplace at 1-800-318-2596.

I need to pay my Health Insurance Premium. How can I do it?

We can make premium payments on your behalf on each business Monday. If you need to make your premium payment sooner than that, please refer to our resources tab and easily make the premium payment yourself directly to the insurance carrier.

I need help finding a doctor / hospital / pharmacy in-network with my Health Insurance or Medicare Plan. How can I do that ?

It’s highly recommended that you can an online registration with your insurance carrier so that you can actively manage your account. Most carriers have an app that you can download on your phone as well. Refer to our resources tab for shortcuts to each carrier’s website and provider directory.

I have recently enrolled and need a copy of my Health Insurance or Medicare ID Card. How do I get that?

Expect it to take 8-10 business days to receive your welcome kit and ID cards in the mail (after making your premium payment if you have a premium due). Notwithstanding a medical emergency, we can generate and email ID cards each business Monday (assuming they are available on the carrier portal). It is highly recommended that you do an online registration with your insurance carrier so that you can actively manage your account. Most carriers have an app that you can add to your phone as well. Refer to our resources tab for shortcuts to each carrier’s website and provider directory.

I have a Humana Employer Group Plan and need a copy of my ID Card for my Dental and/or Vision Coverage. How do I get that?

We can email digital ID cards for Humana dental and vision coverage each business Monday. If you require your ID card sooner, please speak with your human resources department. They will also have access to your ID cards.

I have a claim or benefit question about my Health Insurance, Medicare, or other coverage. How do I get answers?

We will always do our best to answer your benefit or claim questions accurately. Please understand that ultimately it is the insurance carrier that makes the decision on benefits, claims, and policy language. It is always best to start with the member services phone number on your ID card for questions.

I need to report an income change, addition or deletion of a spouse or dependent, or I am moving to a new address. What do I do?

We handle all such changes for you! Please email us the exact details of the income estimate change, the household change, or the address change, and we will email you back with all of the options for your coverage changes. Please be specific in your email about the changes.