Plan Clarity
Understand deductibles, max out-of-pocket, networks, and how claims actually pay—before you enroll.
- Side-by-side comparisons that cut through marketing fluff.
- Plain-English explanations tied to real scenarios.
Our Mission
We help individuals and small businesses choose, use, and optimize health coverage—no jargon, no upsell, just data-driven advice that saves money and headaches.
ADW Health Advising
Clear guidance, transparent costs, year-round support.
We help individuals and small businesses choose, use, and optimize health coverage—no jargon, no upsell. Just data-driven advice that saves money and headaches.
Cost Control
We structure coverage to minimize worst-case risk and avoid common billing traps.
- Provider discounts typically range 50%–80% depending on facility and services.
- Proactive guidance on in-network strategies and pre-approvals.
Accountable Support
We stay with you after enrollment—claims questions, billing, and renewals.
- Direct help on denied claims and appeal paths.
- Annual check-ins so your plan keeps fitting your life.
15+ carriersAccess to national and regional options
All-year helpNot just open enrollment
Individuals & SMBsPick what actually fits
Who We Serve
Individuals
ACA marketplace, private plans, supplemental benefits, and smart ways to lower total spend.
Families
Coverage that balances real-world risk with predictable monthly cost—without nasty surprises.
Small Businesses
Group benefits that attract talent without wrecking cash flow. Simple onboarding and renewal.
How We Work
1) Assess
We map your needs, doctors, meds, and risk tolerance to filter the noise fast.
2) Compare
Shortlist with total-cost math (premiums + likely spend + worst-case).
3) Enroll
Clean applications, fewer errors, and clear next steps so coverage starts right.
4) Support
Post-enrollment help with claims, billing, and renewals—year after year.
Note: Provider discounts typically range 50%–80% depending on facility. Actual savings vary by plan, provider, and services received.
What Clients Say
ADW translated the fine print into normal English and saved us from a plan that would have cost more later. Zero fluff, just facts.
— Melissa R., TampaThe renewal review caught changes we would have missed. We avoided a network surprise and kept our doctors.
— Devon P., St. PetersburgWe finally understand what we’re paying for. When a bill looked wrong, they handled the back-and-forth with the provider.
— Kelsey & Aaron, ClearwaterFAQs
Are you tied to a single carrier?
No. We’re independent and compare multiple carriers so the plan fits you—not the other way around.
Do you help after enrollment?
Yes. We assist with claims, billing, and renewals all year. That’s the point—coverage should actually work.
Can you work with my current doctors?
We check networks up front and outline in-network options. If a favorite provider is out, we show tradeoffs clearly.
What about total cost beyond premiums?
We model premium + expected usage + worst-case so you see realistic costs, not marketing averages.