Health Insurance Plans
Individual and family health coverage with help from Greg & Adele.
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Greg & Adele Davies (435) 767-1415Health, Medicare, Life & Retirement Plans
Serving all of Utah from Sunny St George Utah!
Get the Right Plan at the Right Price, Right Away!
Health coverage should fit your life and your budget. Greg & Adele help individuals, families, and employers explore insurance options, compare costs, and find a practical path to coverage. Whether you need a plan for yourself, protection for your family, or benefits for your employees, we make the next steps easier to understand.
Based in St. George, we bring local knowledge and years of experience to every conversation. We help you navigate plan choices and enrollment efficiently, with personal attention to your priorities, questions, and budget.
Medicare Insurance Plans
Explore Medicare Supplement and Medicare Advantage options.
Medicare Insurance Plans
Meet our Licensed Agents - Greg & Adele Davies
Greg & Adele Davies are both licensed insurance agents serving all of Utah from sunny St George Utah. Greg has been helping Utah residents get the right insurance plans at the right price for the past 30 years. Adele joined Greg in the industry in 2024 after a successful career in Speech Language Pathology. Greg & Adele are experts in Health insurance, Medicare plans, Life Insurance, Retirement & Wealth planning.
Medicare Supplement & Medicare Advantage Plans
Each year there is an AEP or Annual Enrollment Period where you can change your Medicare health plan. AEP goes from October 15 to December 7th each year. Pre-AEP is from October 1 to October 14 where you can discuss plans, but you cannot submit any paperwork. From October 15 to December 7 you can pick another MAPD or Medicare Advantage Prescription Drug Plan, or a PDP Prescription Drug Plan. This can be done without going through any medical questions and you are guaranteed coverage as long as you have Medicare Part A and/or Part B.
Experience Matters
Greg Davies founded Insurance Benefit Plans of Utah in 1997. As President & CEO - as well as the founding Senior Insurance Agent - Greg has been able to help people in Utah, Nevada & Arizona get the Right Plan, at the Right Price, Every time. With his wife Adele now joining the business, Greg & Adele offer a unique perspective in serving your Health, Medicare and Life insurance needs. They especially like to help people in difficult situations and will go the extra mile to get the right plan for the specific situation.
Background Training & Education
Greg graduated from BYU with a degree in Finance while Adele graduated with two bachelors degrees - from BYU and Utah State - before going on to receive her Masters degree in Speech Language Pathology from Utah State. Adele adds her unique background and experience to Greg's 30 years of industry experience and knowledge to help many hundreds of families, self employed, and small businesses discover health benefits and financial services that they may not have considered.
Family Matters
Married in 2022, Greg & Adele's combined posterity now include 9 adult children and 18 grandchildren. They love living in St George, Utah and also enjoy traveling to see the world's natural wonders. But they mostly relish time with grandchildren and family members. This keeps them grounded to realize the reason we do what we do and keep things in perspective.
Medicare Supplement Plans in Utah
Choosing the right Medicare Supplemental Plan is critical. Picking a plan that raises
your rates drastically over the years can be devastating.
Especially if you have had some pre-existing conditions pop up
during that time.This may make it difficult to switch to another Medicare Supplement plan. Knowing which plans have been the most stable over the years can be a great advantage. We have been helping seniors pick the right Utah Medicare Supplement plan since 1997. We have seen plans come and go and know what works well for our clients. We offer Medicare Plans A-F.
Since new Medicare beneficiaries eligible on or after January 1, 2020 cannot select Plan F anymore, Medicare Supplement Plan G becomes the new standard plan. Many are discovering the great coverage as well as the savings associated with Medicare Plan G. Are you relocating to St George Utah from Out of State? We would love to discuss all the aspects of your move and make recommendations based on your specific situation. There is much to consider and we can help! Utah Medicare Supplement Information
Utah Medicare Advantage Plans
AEP Annual Enrollment begins every October 15 and goes until December 7th each
year. During AEP you can choose a new Utah Medicare Advantage plan regardless of
your health (except End Stage Renal Disease).
Let us help you pick the right plan to fit your specific needs. Are you
eligible for Medicare? Or maybe you have a loved one over 65, or
someone under 65 who is eligible for Medicare and is in need of a
Medicare Insurance plan?
We can help you find out which plan would
fit your needs. We offer the most popular plans in each county in Utah, as well as Arizona & Nevada. Many of our Mesquite Nevada clients rely on us each year for the latest plan information in their county.
See Utah Medicare Advantage Plans
Medicare PDP Prescription Drug Plans
During AEP Annual Enrollment Period (Oct 1 - Dec 7 each year) you can choose a new PDP
Prescription Drug Plan. Let us help you analyze the drugs you take
to see which PDP gives you the lowest combination of drug copays
even through the Coverage Gap. Let us help you find the right
plan for your specific needs. See
Medicare Plans
Health Insurance and ObamaCare
Get a Health Insurance QuoteDo you need a Health Insurance plan for those not on Medicare? The ACA Affordable Healthcare Act
allows AEP Annual Enrollment Period from November 1 to December 15 each year
for plans beginning January 1, of the following year. Maybe you
or your spouse is not yet 65 and needs a great
Senior Health Insurance plan before you turn 65.
Greg was one of
the first agents in Utah to be certified to
help Utah residents choose health insurance plans in the Federal Health Exchanges.
Let us help you find out if you are getting a tax rebate / subsidy.Apply Now
Utah Short Term Health Plans
Sometimes you only need coverage for a specific period of time. If you are between
employer health plans for a few months, or just need short term, temporary health coverage,
we can help. The laws have changed to now allow up 12 months of continuous temporary health
plan coverage. This can actually be used as an alternative to the ACA "Obamacare" health
plans. Note: These temporary plans do not cover pre-existing conditions among other
deficiencies. Having said that, they work great for the right kind of situation.
Get a Quote from Allstate Health Solutions Get a quote from Select Health Short Term Plans
Dental Insurance Plans in Utah
Dental care is a very important part of our overall health and wellbeing. Getting the right dental insurance plan can make all the difference. Some plans offer discounts on services from any dental provider. Others require that you use a certain network list of dental professionals. And yet others are a combination of the two. Some have deductibles, others only a discount on every service with no waiting period. We can offer great Utah Dental Coverage for individuals, families, Self Employed and Small Businesses. Dental Insurance Plans
Utah Life Insurance
Finding a term life insurance quote is easy. Finding an insurance company that is right for
you may be more difficult. Do you need a Utah Senior Final Expense plan? How about Guaranteed
Life Insurance for Utah Seniors? For example, the lowest rate online does not always mean YOU
will get that rate. If you are sub-standard, over weight, a smoker or have other health or
family history issues then you may need the help of a life insurance professional to help you
find the right plan for your specific needs.
Do you have estate issues? What about an employer buy-sell agreement for your business partnership?
Whole Life, Universal Life or Index Universal Life needs? We can help you get the right plan for you.
Get Life Insurance Information
Missionary Service and Accident Plans
Are you contemplating missionary service? Maybe you need a Short Term plan? We have plans that work great Health Insurance for LDS senior missionaries, Short Term and Accident and Supplemental Hospital plans for all your needs. Even if you already have great health coverage, we can help cover your out of pocket expenses even if you have a high deductible plan and are looking to cover the gaps. Call Greg & Adele Davies today at (435) 767-1415 for more details
Wealth Planning and Retirement
Will you have enough money to retire well? What can you do now to be
ready then?
Do you have a 401k from a previous employer? We can get you
the right financial plan with an income stream for your golden years.
So when is the best time to start planning for retirement? 40 years
ago! When is the next best time? RIGHT NOW!
Get Retirement Planning Help Now
Medicare Supplement
The Medicare Plan F from Regence Blue Cross Blue Shield and the AAPR Medicare Plan F cover all of your Medicare Needs.
See detailsACA "ObamaCare" Plans
Picking a plan that is "On Exchange" means you can access the Federal Health Insurance Marketplace and possibly qualify for a subsidy.
See detailsRetirement Planning
401k Rollover, IRA, Annuities - We have all the tools to help you build your nest egg, and then preserve it for retirement years.
See detailsPart C: Medicare Advantage
Choose a Medicare Health Insurance Plan or "Medicare Advantage" Plan to get low premiums and copays. These are PPO & HMO plans for Medicare Beneficiaries.
See detailsLife Insurance
Let us help you pick the right Life Insurance Option for you and your family. Term, Whole Life, Universal Life... We will sort it out for you and get you the plan you need.
See details"Off Exchange" Health Plans
When you don't qualify for a subsidy, you might be able to pick a plan "Off Exchange" that is not available to you otherwise. But remember you won't get a subsidy "Off Exchange."
See details