Don’t Forget HEALTH INSURANCE This Black Friday and Small Business Saturday!

Shop Local Use A Broker!

Joe Covell and Robyn Barto would like to wish everyone a safe and happy Thanksgiving Weekend! Hopefully everyone is spending it with loved ones and also taking advantage of some great Black Friday and Small Business Saturday deals. Don’t forget that the clock is ticking for Obamacare (December 15th) and Medicare (December 7th), before the open enrollment periods come to an end! Don’t Miss Out!

Insurance Brokers are as Small Business as it gets! Let’s celebrate them and all small businesses this Black Friday and Small Business Saturday. At, our services are always 100% free to you (no fees and no price differences), but we are only paid if we enroll you, or if you put our information in under the section, “Is Someone Helping You?”

Joseph Covell
NPN- 16623825

We are paid every single month that you pay your premium, so it’s in our best interest to make sure you are taken care of. If we have already enrolled you for 2020, you can relax or if you have a friend or loved one who you would like us to assist, feel free to pass along our contact information, or send us theirs!


We are located in Willow Grove, PA, with the majority of our clients in Pennsylvania and New Jersey, but we service and are experts in many other states, including but not limited to: VA, MD, DE, FL, GA, MS, KS, NE, OK, MO, OH, PA, NJ, MS, MI, TN, NC, SC, NH, TX, and more!



We Handle ALL Insurances, But Health Is Our Specialty!

We pride ourselves in only working with real insurance carriers who offer realistic health insurance options. These would include:


Our product offerings go much further, including:



There exist misconceptions regarding the service of brokers, and with all the “nonsense insurance products” being pushed and service fees charged, this is rightfully so. Any true independent health insurance broker is paid by health insurance carriers to assist consumers. The price we quote you is the exact same as if you were to call the companies directly or We do not charge any fee whatsoever, because we build our business by truly helping consumers.  Carriers will sell to you, but they cannot give you personal help and attention (or shop their competition). We are paid every month when happy clients pay their bill, so it is in our best interest to make sure you find coverage that is right for you and your family.

The majority of our clients are covered by an Obamacare (ACA) or Medicare plan, but we realize this is not a fit for everyone’s needs and budget. There are many garbage plans out there and call centers doing serious harm to consumers by selling products which are not true insurance from companies left to be desired. We only work with reputable companies. When it comes to individual/family health insurance the coverage offered by an Obamacare/ACA plan really can not be matched (especially with a government subsidy), most other things really are a gamble. We do feel that the closest thing to ACA coverage is a Short Term Medical Plan. This is now a state decision determining how long a single policy can be. In PA the max duration was extended to 360 days, and United Healthcare has been selling plenty. TX, Fl, GA, AZ, and many other states allow a 12 month policy to be renewed for up to 3 years. Our recommendation is paring a United Healthcare (one the country’s biggest health insurers) short term medical plan (if you can pay in one upfront payment you can save 20%) with a health protector guard for a real comprehensive package (their vision and dental plans are outstanding as well).


Have a safe and happy holiday season, we are here to help make this process easy!

Best wishes,

Joseph L Covell
Robyn Barto

Independent Insurance Brokers
Custom Benefit Plans, Inc.
616 Easton Rd
Willow Grove, PA 19090






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