Medicare and health insurance solutions, explained in plain English.

The agency is new. The agent is not. Sarah has been licensed since 2009 and has spent those years helping people across Ogden and Northern Utah with Medicare and health insurance solutions, including six years within another local agency before founding CUPS Insurance.

Founding her own agency changed the name on the door and gave her the freedom to work the way she believes clients deserve. It did not change who answers the phone or how long she has been doing this.

Nothing. There is no fee for our help — not for the research, the comparison, the enrolment, or the calls afterwards.

Insurance carriers pay agents a commission when a plan is issued, and that commission is built into the plan price whether you use an agent or not. Buying the same plan directly does not make it cheaper. It just means nobody checked your doctors first, and nobody picks up when something goes wrong in March.

No, and no agent does. We do not offer every plan available in your area. Sarah represents a range of carriers across Medicare and ACA, listed on this site, which is enough to compare meaningfully in Weber, Davis and the surrounding counties.

For information on every option available to you, you can contact Medicare.gov, call 1-800-MEDICARE, or contact your State Health Insurance Assistance Program (SHIP).

Sarah is licensed in Utah, Arizona and Idaho. Most clients are in Weber and Davis counties, with Morgan, Salt Lake and Box Elder counties also well served.

The office is at 3293 Harrison Blvd #213 in Ogden, and in-person appointments are available there. Everywhere else is handled by phone or video, which most people prefer anyway.

Sarah conducts business in English. This website is available in Spanish so the information itself is easier to understand, and interpretation can be arranged for an appointment on request.

As she puts it: "I may have a Spanish last name, but unfortunately, Spanish isn't one of my talents." The site is translated so that the choices are still understood, in whichever language is most comfortable for you.

Not much, and nothing you have to prepare in advance to book the call. It helps to have a list of your doctors, a list of your prescriptions with dosages, your Medicare card if you have one, and a rough idea of your household income for the year if you are looking at Marketplace coverage.

If you do not have all of that, come anyway. Sarah will help you assemble it.

No. Every calculator here is an estimate, built from published plan-year figures and the details you type in. They are not a quote, an offer of coverage, or a determination of eligibility.

Your final premium and any advance premium tax credit are confirmed at enrolment on HealthCare.gov or with the carrier directly.

That is when most of the value shows up. You get a person to call — the same person who enrolled you — for a denied claim, a pharmacy quoting the wrong price, a doctor leaving the network, or a plan change you did not expect.

Every autumn Sarah reviews your plan against next year's network, formulary and costs, so nothing rolls over unexamined. That annual review is where problems get caught, and it is the whole reason the relationship continues.