Let me introduce myself ...

I am an independent agent specializing in health insurance.  I have devoted the past 17 years to the full time practice of group and individual health insurance.  Plans  that cover expenses such as hospitalization, dental, vision, and prescriptions.   

I inform my clients of both the good news and the bad news.  I tell the whole story so there are no misunderstandings in the future.  I sell no policy just for price sake always keeping in mind the underlying policy wording.  As a result, my clients are pleased with my service and frequently refer me to others.

I always return calls to existing clients before speaking to new prospects.  An existing client is paying my salary, so I service what I sell first.

I bring innovative cost savings plans to the attention of my clients and prospects. New laws such as the HSA and HRA plans are tremendous tools for saving premium dollars.

I am worthy of trust.  I publish my referral sources and you are free to contact any or all of them.  Existing clients, CPA’s, financial planners and small business owners all appreciate my attention to detail and regularly refer me, exhibiting a high level of trust.

I am highly qualified to assist you and your referrals as well.  I feel confident you’ll agree. I am a Licensed Insurance Counselor (L.I.C.), which enables me to advise on insurance matters for a fee, much like an attorney.  Few agents hold this special license.

Should you decide to use my services, I am certain you will be pleased for many years to come.

Thank you,

Ronald J. Bommarito, Licensed Insurance Counselor

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Our Mission Statement:
Health Insurance Specialist, Inc. is dedicated to offering health insurance for individuals and small businesses. We will bring a balance of quality plans and freedom of choice at a fair price.

Business summary:
Ronald J. Bommarito is a Michigan licensed insurance agent with the special designation of Licensed Insurance Counselor, or LIC. As such, he is a health insurance specialist serving as Michigan s local agent. You might say he provides individual health insurance at its best. We specialize in individual insurance plans.

As a specialist he handles benefits of all kinds such as hospitalization insurance, temporary and short term plans, medical plans, dental, vision, and Medical-surgical plans. He covers all types of family configurations, such as non-group arrangements, single, couple, family, single parent, child only, and children. Often all pre-existing conditions are covered for such things as prescriptions, chiropractic, doctor office visits, lab & x-ray, maternity and pregnancy, frequently with no waiting periods and no deductibles.

Ron works with carriers such as: Blue Cross Blue Shield of Michigan, BCBSM, American Community Mutual, Fortis, John Alden, Time, American Medical Security, World, HAP, Health Alliance Plan, Golden Rule, and Assurant. Often he uses PPO, Preferred Provider Organization, PPOM, Preferred Provider Organization of Michigan, Preferred Provider Organization of Midwest, HMO and Health Maintenance Organization for his clients.

Ron handles insurance in virtually every city in Michigan, such as those in St. Clair County: Allenton, Almont, Anchorville, Algonac, Capac, Emmett, Marine City, Marysville, Memphis, Pearl Beach, Port Huron, St. Clair, and Yale. Reaching into Macomb county for such areas as: Armada, Center Line, Clinton, Eastpointe, Fraser, Grosse Pointe Shores, Harrison, Memphis, Mount Clemens, New Baltimore, New Haven, Richmond, Romeo, Roseville, St. Clair Shores, Shelby, Sterling Heights, Utica, Warren, Expanding into Lapeer County: Almont, Barnes Lake-Millers Lake, Brown City, Clifford, Columbiaville, Dryden, Imlay City, Lapeer, Metamora, North Branch, Otter Lake. Those in Sanilac County: Applegate, Brown City, Carsonville, Croswell, Deckerville, Forestville, Lexington, Marlette, Melvin, Minden City Peck, Port Sanilac, Sandusky

Honesty, Integrity, Service, Accuracy, Efficiency - We are as close as the phone. We offer a great value and great benefits for the money. Low cost. Great value. Excellent service.