Medicare Advantage
Part C plans that bundle your hospital, medical and usually drug coverage into one plan.
Ogden, Utah · Licensed since 2009
Have Medicare or health insurance questions? I’m the girl to call.
Hi, I’m Sarah — Your Favorite Insurance Girl. I’ve been a licensed insurance agent since 2009, and I truly love what I do. Whether you’re turning 65, retiring, losing your health insurance, looking for ACA/Obamacare coverage, or you just have questions about the coverage you already have — give me a call. We’ll look at your options together.
Your Health. My Priority.
Grab a cup — ask Sarah 435-292-8777 Speak with a licensed insurance agent · TTY 711
15+ Years licensed
3 States licensed
8 Product lines
$0 Cost for our help
Got a question? Ask me.
Sarah reads every message herself and replies personally, usually the same business day.
By Appointment Only
Clients
Don’t just take my word for it
I can tell you how much I love helping my clients, but I think it’s better to let them tell you themselves.
Google reviews · 5.0 out of 5 from 5 reviews
Write a review What we do
So, what kind of insurance do I help with?
If it has to do with your health insurance, there’s a pretty good chance I can help — or at least point you in the right direction. Medicare, ACA/Obamacare, individual and family health insurance, group health, dental, vision, accident, hospital and other supplemental coverage — those are my world. Your truck or tractor? You’re going to need a different insurance girl for that.
Medicare Supplement / Medigap
Plans that pay the gaps Original Medicare leaves behind, so you can use any doctor who accepts Medicare.
Medicare Part D
Standalone prescription coverage, matched to the drugs you actually take at the pharmacy you actually use.
ACA / Marketplace
Individual and family health insurance solutions through the Marketplace, with the tax credit applied properly.
Short-term medical
Temporary coverage for a defined gap — with its limits explained honestly before you buy.
Dental, vision & hearing
Standalone coverage for the three things Original Medicare almost entirely leaves out.
Hospital indemnity
Cash paid directly to you for a covered hospital stay — designed to absorb the copays a plan leaves behind.
Accident plans
Cash benefits for injuries, emergency room visits and the follow-up care that comes after.
Why CUPS
Why clients choose Sarah over other agents
I explain insurance in terms you can understand
Insurance has enough confusing words and acronyms. My job is to explain it in a way that makes sense to you. And if you don’t understand something, ask me. I would rather you ask another question than leave confused.
I return phone calls
It sounds simple, but it’s important to me. If you call me, text me, or send me an email, I will get back to you. You shouldn’t have to wonder where your insurance agent disappeared to after you enrolled.
I answer your questions
There are no dumb insurance questions. You don’t deal with this stuff every day — I do. Whether you’re trying to understand a bill, a benefit, a prescription, a doctor network, or something you received in the mail, ask me.
I help put the pieces of the insurance puzzle together
Sometimes insurance feels like a box of puzzle pieces dumped out on the table — Medicare, prescriptions, doctors, networks, premiums, copays, deductibles, ACA tax credits and all the rest. I help you put those pieces together so you can see the whole picture.
That’s a big part of why my clients call me Your Favorite Insurance Girl.
Who I help
You might be my kind of client if…
You’re turning 65 and your mailbox is suddenly full
It can be overwhelming trying to figure out what you actually need to do. That’s where I come in. I’ll help you understand Medicare, go through your options with you, and answer your questions.
You’re ready to retire — but you’re not 65 yet
One of the biggest questions I hear is, “What am I going to do for health insurance?” Let’s look at your options together, including ACA/Obamacare, and figure out what makes sense until you’re eligible for Medicare.
You’re losing your health insurance
Maybe you’re changing jobs, retiring, getting divorced, or your employer coverage is ending. Whatever brought you here, let’s look at what’s available and what your next step should be.
You’re turning 26 and coming off your parents’ insurance
Welcome to adulting. You don’t have to figure this out by yourself. I’ll help you look at your options and find coverage that works for where you are right now.
You’re self-employed or buy your own health insurance
ACA/Obamacare can be confusing, especially when it comes to premiums, tax credits, networks and which doctors are covered. I’ll help you go through it.
You already have insurance — you just have questions
You don’t have to be looking for a new plan to call me. If you’re one of my clients and you don’t understand something about your coverage, call me. That’s what I’m here for.
Don’t see your situation here? That’s okay. Give me a call. You don’t need to know what kind of insurance you need before you call — just tell me what’s going on, and we’ll figure out where to start.
Free tools
Are you a dig-aholic too?
I love to research. I’m a bit of a dig-aholic. I want to know the why behind things and how everything works. When I have a question, I’m the person who keeps digging until I understand it.
If you’re one of those people too, I’ve put together some tools and resources below so you can do a little digging of your own, run some numbers, and learn more about how insurance works.
Not a dig-aholic? That’s okay too. If you don’t want to spend your time researching all of this, that’s when you give me a call. I’ll do the digging and help put the pieces of the insurance puzzle together for you.
Medicare
Dates, penalties and premiums — the questions that arrive with turning 65.
Medicare date calculator
See your seven-month Initial Enrollment Period, your earliest coverage date, and your Medigap window.
Part D penalty calculator
See what going without drug coverage adds to your Part D premium — for as long as you keep it.
IRMAA estimator
See whether your income adds a surcharge to your Part B premium — and how much.
Advantage vs Medigap cost
Compare what each path could cost you in a typical year — and in a tough one.
ACA / Marketplace
Subsidies, eligibility and coverage decisions before 65.
ACA subsidy estimator
Estimate your advance premium tax credit and what a benchmark plan might cost you each month.
FPL % calculator
Work out where your household income falls as a percentage of the federal poverty level.
ACA vs COBRA
Compare what COBRA would cost you against a subsidised Marketplace plan for the rest of the year.
SEP qualifier
Find out in about a minute whether a recent life event lets you enroll outside Open Enrollment.
Family glitch calculator
Your job offers health insurance, but covering the family costs a fortune. Check whether your spouse and children can get a subsidised Marketplace plan anyway.
Quote it yourself
Rather see the plans first?
The calculators estimate; these portals show real plans for your ZIP code. Start on your own and call whenever you want — the quote is already attached to Sarah.
Browse Medicare plansCompare the Medicare Advantage, Part D and Supplement plans available in your ZIP code, against your own drugs and doctors.Via Sunfire · NPN 14943086Browse Marketplace plansSee ACA/Obamacare plans for your household, with the premium tax credit applied, before you decide anything.Via RetireFlo · NPN 14943086
Opens in a new tab, in Sarah’s secure quoting portal. You can stop at any point and call her instead.
Independent
I contract with the insurance companies — I work for you
There’s a reason I work with so many different insurance companies: it’s for your benefit.
One company or one plan isn’t going to be right for everyone. Your doctors may be different. Your prescriptions may be different. Your budget is different. And what’s important to you may be completely different from what’s important to your neighbor.
By contracting with multiple insurance companies, I have more choices to look at when we’re putting together your insurance puzzle. My job isn’t to make you fit into one company’s plan — it’s to look at the choices available to you, explain them in terms you can understand, and help you figure out what fits your situation.
Medicare carriers
- Devoted Health
- HealthSpring (Cigna)
- Humana
- Molina
- SelectHealth
- UnitedHealthcare
ACA & health — Utah
- SelectHealth
- Molina Healthcare of Utah
- University of Utah Health Plans
- Regence BlueCross BlueShield of Utah
ACA & health — Arizona
- Blue Cross Blue Shield of Arizona
- Ambetter from Arizona Complete Health
- Cigna HealthCare of Arizona, Inc.
- Oscar Health Plan
- UnitedHealthcare
The process
So, how does this work?
I like to keep things simple. You don’t need to have everything figured out before you call me — that’s my job.
- Step 01
Give me a call
Tell me what’s going on. Turning 65? Retiring? Losing coverage? Confused about something you already have? We’ll start there.
Start anywhere
- Step 02
I do the digging
This is the part I love. I’ll research your options and look at the things that matter — your doctors, prescriptions, costs, networks and coverage. 🔎
The part I love
- Step 03
We put the puzzle together
I’ll explain what I found in terms you can understand. We’ll look at the options together, answer your questions and put the pieces together so you can see the whole picture. 🧩
The whole picture
- Step 04
I’m still here after you enroll
My job doesn’t end when you sign the application. If you have questions about your coverage, get something confusing in the mail, or just aren’t sure what something means — call me. I return phone calls. I answer questions.
All year, every year
Meet your agent
Sarah Wood Rodriquez — Your Favorite Insurance Girl
Licensed since 2009AHIP certifiedNPN 14943086Licensed in Utah, Arizona & Idaho
I didn’t grow up dreaming about becoming an insurance agent. I was actually in the marching band — playing drums and marimba.
I moved to Ogden, Utah, in 2002, just after the Winter Olympics, and quickly fell in love with Northern Utah and everything this area has to offer. I later had the opportunity to work as the Volunteer and Expo Coordinator for the GOAL Foundation, helping with the Ogden Marathon. It was a fun way to become even more connected to the community I now call home.
I also went back to school and earned my bachelor’s degree from Weber State University. I was basically the oldest one in most of my classes — and you know what? It was a fun and very satisfying experience.
Learn
Guides written to be read
No jargon, no filler. Each one answers a real question and tells you what to do next.
9 min read
Medicare Advantage vs Medicare Supplement: how to actually decide
Two completely different ways to cover the gaps in Medicare. One works through a network with copays as you go; the other trades a monthly premium for predictability and freedom. Here is how to work out which one fits you.
8 min read
Medicare enrollment periods, explained without the alphabet soup
IEP, AEP, OEP, SEP, GEP — five acronyms, five different rules, and permanent penalties for getting them wrong. Here is what each window actually lets you do and when it applies to you.
8 min read
Turning 65: a checklist that starts six months out
What to do and when, from six months before your birthday through your first year on Medicare — including the two decisions that are much harder to reverse later.
Where can I help you?
Northern Utah is home — but not my limit
I'm based in Ogden and work with clients throughout Utah. I'm also licensed in Arizona and Idaho — originally so I could help friends and family there. Have family in either? I can help them too.
Weber County
Ogden · Roy · North Ogden · South Ogden · Riverdale · Pleasant View
3293 Harrison Blvd #213, Ogden, UT 84403 By Appointment Only
In-person meetings available
Davis County
Layton · Bountiful · Kaysville
Morgan County
Morgan · Mountain Green · Croydon
Salt Lake County
Salt Lake City · West Valley City · West Jordan
Box Elder County
Brigham City · Tremonton · Perry
The cup
So… why CUPS?
That story starts with Robert. Her husband loves coffee cups, so when they were creating the agency, the cup became part of their identity. It also fits what the agency is meant to be: comfortable, approachable, and a place where you can ask questions without feeling overwhelmed.
Your Health. My Priority.
Grab a Cup. Let's Get You Covered.
Prefer to read in Spanish?
I may have a Spanish last name, but unfortunately, Spanish isn't one of my talents. 😊 I still want insurance information to be easier to understand, so this website can be viewed in Spanish.
Your Health. My Priority. — in the language that's most comfortable for you.
FAQ
Questions people actually ask
CUPS Insurance is new — how long have you actually been doing this?
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.
What does it cost to work with you?
Nothing. There is no fee for our help — not for the research, the comparison, the enrollment, 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.
Do you represent every plan available?
No, and no agent does. The carriers Sarah represents are named on this site.
We do not offer every plan available in your area. Currently we represent 8 organizations which offer 72 products in your area. Please contact Medicare.gov, 1-800-MEDICARE to get information on all of your options.
Which areas do you serve?
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.
Do you speak Spanish?
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.
What do I need to have ready before we talk?
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.
Are the calculators on this site a quote?
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 enrollment on HealthCare.gov or with the carrier directly.
What happens after I enroll?
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.
Grab a cup. Let's make insurance make sense.
A real conversation with a licensed agent who will check your doctors and prescriptions before you decide — and answer the phone all year after that.
Book a call with Sarah Call 435-292-8777 Speak with a licensed insurance agent · TTY 711
Office hours: 10:00 AM – 5:00 PM · Ogden, Utah · NPN 14943086