Straight answers about benefits, Medicare and working with us.
The questions Michigan businesses and individuals ask us most. Don't see yours? Call 248-250-9138 or request a consultation.
Is JPW & Consultants an independent insurance agency?
Yes. JPW & Consultants is an independent agency, which means we're not tied to a single carrier. We shop the top carriers in Michigan and recommend the plan that best fits you — not the one we're obligated to sell.
Does it cost anything to work with JPW & Consultants?
No. Consultations are free and carry no obligation. As an independent agency we're compensated by the carriers, so our advice comes at no direct cost to you.
What areas do you serve?
We're based in Troy, Michigan and serve businesses and individuals across the entire state, with deep familiarity with Michigan's carrier landscape.
What types of insurance do you offer?
Three core practices: employee & voluntary group benefits, Medicare (Supplements, Advantage and Part D), and individual & family health — plus consulting and benefits administration for employers.
What's the difference between a Medicare Supplement and Medicare Advantage?
A Supplement works alongside Original Medicare and lets you use any Medicare-accepting provider, but doesn't include drug coverage. Medicare Advantage is a private plan that replaces Original Medicare's administration, typically using networks and co-pays and often including Part D. We help you choose correctly before you enroll.
How do I get a group quote for my business?
Complete our quote request or send us a group census with your covered employees. We'll shop the market and return clear, side-by-side proposals. You can download the census form here.
Do you help with benefits compliance?
Yes. We support ACA, ERISA, COBRA, HIPAA and required notices and filings, and can bring an existing program into compliance economically. See our compliance resources.
How do I find out if my doctor is in-network?
Use the carrier directories on our provider search page, or call us at 248-250-9138 and we'll point you to the right network.
Still have questions?
We'd rather you ask than guess. Reach out for a free, no-pressure conversation.