Insurance Services | BBS Insurance

The BBS Insurance Difference

We don't just sell policies — we get to know you, shop the market, and teach you how to use your coverage to its fullest. Here's what every BBS Insurance client gets:

Multi-Carrier Shopping

We compare top carriers to find the right fit for your situation.

Personalized Quotes

Plans matched to your household, budget & goals.

Local KC Service

Lawson, MO base — serving the entire Kansas City metro.

Education First

We teach you how to Buy Better & Save.

Service One

Health Insurance

Quality, affordable health coverage for individuals, families, and the self-employed. We offer major medical, supplemental, catastrophic, and ACA marketplace plans — and we'll help you understand the trade-offs of each.

Many of our clients save 30–60% on premiums after we walk them through their options. And because we offer plans that don't require open enrollment, you can switch any time of year.

Get a Health Quote

Types of Health Plans We Offer

Major Medical

Protects you from significant healthcare expenses — hospital, surgery, specialists, prescriptions.

Supplemental Plans

Critical illness, hospital indemnity, and accident insurance to fill the gaps.

Catastrophic Coverage

Lower premiums and higher deductibles — great for healthy individuals who want a safety net.

ACA Marketplace

Navigation, subsidy review, and enrollment help for Healthcare.gov plans.

Individual Policies

Coverage for self-employed workers and people between jobs or off employer plans.

Small Group Plans

Employee benefit solutions that balance affordability with strong coverage.

Medicare and Medicaid guidance from BBS Insurance

Service Two

Medicare & Medicaid

Turning 65 or already on Medicare? We make the alphabet soup (A, B, C, D, F, G, N…) easy to understand and help you choose the right combination of plans for your needs and budget.

Medicare Advantage (Part C)

All-in-one plans that combine hospital, medical, and often prescription coverage.

Medicare Supplements (Medigap)

Plans that fill the gaps in Original Medicare — deductibles, copays, coinsurance.

Prescription Drug Plans (Part D)

Stand-alone drug coverage to pair with Original Medicare.

Medicaid Guidance

Help understanding eligibility, dual-eligible plans, and state programs.

Get a Medicare Quote

For Employers

Small Group & Employer Benefits

Offering benefits is one of the best ways to attract and keep great employees — but it can feel overwhelming. We take the work off your plate, design a plan that fits your team and your budget, and stick around for billing and renewals.

Plan Design

HMO, PPO, HSA-compatible — we help you choose the right mix.

Carrier Comparison

Side-by-side quotes from top insurers so you know you got a fair deal.

Ongoing Support

Renewal reviews, onboarding help, and a real person to call.

Get a Group Quote

More Coverage

Other Insurance Services

Beyond health, BBS Insurance helps you protect your home, your loved ones, and your livelihood.

Life Insurance

Rest easy knowing your loved ones are taken care of. Term life, whole life, and final expense policies tailored to your situation.

Homeowner's Insurance

Coverage to protect your home, belongings, and personal assets — from everyday mishaps to major events.

Business and commercial insurance from BBS Insurance

Business & Commercial

Liability, property, and commercial coverage built for small businesses across Missouri — protection that scales with your company.

FAQ

Common Questions, Honest Answers

Marketplace (ACA) plans are subject to community rating and standardized benefits, which keeps premiums high for many households. Private plans are individually underwritten, often resulting in significantly lower premiums for healthier applicants while still providing strong coverage. We'll walk you through both sides so you can decide.

Many of the private and supplemental plans we offer let you enroll year-round — you don't have to wait for the annual open enrollment window. Medicare plans have their own enrollment periods, and we'll guide you through those, too.

Most healthy individuals and families qualify. Private plans use medical underwriting, so eligibility depends on factors like age and health history. We'll tell you what you qualify for — no obligation.

Yes. We design and manage small group health plans for businesses across Missouri. We'll handle the carrier comparisons, plan design, and renewals so you can stay focused on running your business.

Absolutely. Many of our clients work with us for health, Medicare, life, home, and business coverage. Having it all under one roof makes life easier — one phone call, one team, one trusted source.

Insurance, Made Simple