About

A new agency. Not a new agent.

Sarah Wood Rodriquez has been licensed since 2009 — over 17 years helping Ogden and Northern Utah households understand their Medicare and health insurance options. CUPS Insurance is the chapter where she does that work her own way.

Book a call 435-292-8777Speak with a licensed insurance agent · TTY 711

The story

How CUPS Insurance started

Sometimes the best careers start in unexpected ways.

2002

Ogden becomes home

Sarah moved to Ogden just after the Winter Olympics and fell for Northern Utah. She later served as Volunteer and Expo Coordinator for the GOAL Foundation, helping run the Ogden Marathon.
2009

Licensed — and a false start

She became a licensed life insurance agent. She enjoyed helping people, but quickly realized traditional life insurance was not where her passion was.
Years later

An unexpected introduction

A family connection in Idaho was preparing to sell his Medicare book of business and thought Sarah and Robert might be a good fit to take it over. There was one problem — moving to Idaho was not in the cards.
Soon after

The work she actually loved

The opportunity sparked something. She earned her health insurance license and learned everything she could about Medicare — especially taking something that feels complicated and helping people make sense of it.
Six years

Inside another agency

She spent roughly six years building a practice in Ogden within another agency, writing and servicing clients who still come back to her year after year.
Today

CUPS Insurance

She decided it was time to take a chance on herself, teamed up with her best friend and husband Robert, and started the next chapter. A new agency — not a new agent.

After all, if you are going to work for someone, you might as well work for your best friend.

CUPS Insurance was created so Sarah could take care of clients the way she believes they should be taken care of. That means doing more than enrolling someone in a plan. She researches. She asks questions. She checks the details. She explains things in plain English. And when something does not go according to plan, clients should not wonder who to call.

You call me.

Because helping you enroll is not the end of the relationship. It is the beginning.

435-292-8777 Speak with a licensed insurance agent · TTY 711

The cup

So… why is it called CUPS Insurance?

Robert loves coffee cups.

Every time we travel, we pick up a coffee cup from somewhere we have visited. It is our souvenir — but it is also practical, because we can actually drink out of it.

Over the years we have collected quite a few, and they have become a little reminder of the places we have been and the memories we have made together.

So when it came time to name the agency, we thought: what better trademark for us than a cup? Robert loves coffee. We love our cups. And CUPS Insurance just fit.

No complicated insurance acronym. No big corporate meaning behind it. Just something that is part of us.

And now it fits what I do pretty well too.

Your Health. My Priority.

Grab a Cup. Let’s Get You Covered.

The team

Who is who

Two people. The one who answers the phone is the one who reviews your plan.

Sarah Wood Rodriquez Urena

Owner & Licensed Agent

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.

So how did I end up in insurance? I kind of fell into it. A relative introduced me to the Medicare world, and I fell in love with it. I discovered that I genuinely enjoy learning how insurance works, doing the research, and then helping someone else understand it. That’s probably where the dig-aholic in me comes in.

I’ve been a licensed insurance agent since 2009, and helping people understand their health insurance options is something I truly enjoy. I believe people make better decisions when they have clear, honest information and someone who’s willing to take the time to explain their choices.

I’m now an independent insurance agent, and I’m incredibly grateful for the clients who continue to trust me year after year. Their referrals and continued support mean more to me than they probably realize.

Outside of insurance, I’ve been happily married to my husband and best friend, Robert, for 19 years. We share our home with our pups, who keep us entertained and make us smile every day.

I’m grateful to live in a community I love, doing work I love, and building relationships with the people I get to help. And if we haven’t met yet — maybe I’m just your soon-to-be Favorite Insurance Girl.

sarah@cupsinsurance.com

Robert Rodriquez Urena

Owner

Robert co-founded CUPS Insurance with Sarah — his wife and business partner of nineteen years. The agency exists because the two of them decided to build something of their own rather than keep working inside someone else's.

He is also, indirectly, the reason for the name. Robert loves coffee cups, and when the agency was being created the cup became part of its identity: comfortable, approachable, and a place where you can ask questions without feeling overwhelmed.

robert@cupsinsurance.com

How she works

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 for

You might be my kind of client if…

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.

See my plan options Contact

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.

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

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.

Ver este sitio en español

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

A new agency. Not a new agent.

How CUPS Insurance started

Ogden becomes home

Licensed — and a false start

An unexpected introduction

The work she actually loved

Inside another agency

CUPS Insurance