Health Insurance

Bruce Gardner Insurance Agency is certified to provide you with health insurance from Anthem HealthKeepers and the Health Insurance Marketplace. We have 9 years experience providing these services. We can also assist with Medicare Plans.

We are here for you throughout the year. If you have a question about the paperwork you receive, let us know. We can help explain these reports and letters.

Individual Health Insurance Policies:

Individual health insurance policies can be purchased directly from Anthem with no income-based subsidies, or they can be purchased through the Marketplace, which offers income-based subsidies and reduced deductible limits.

Health Insurance Marketplace Open Enrollment

The open enrollment window for both methods begins November 1, 2021 and closes December 15, 2021. “Special Enrollment” exceptions to this window apply only if you meet certain conditions, such as marriage, divorce, adoption, loss of employment, etc. These exceptions will be looked at closely.

December 15, 2021, is the cut-off day for coverage starting January 1, 2022. This is 45 days in total to enroll in health insurance coverage. Start early to avoid the rush!

Review Your Health Insurance Options:

To talk about health insurance coverages, please contact us. We are happy to help you review your options and answer your questions before you apply.

For a record of your health insurance payments from the last year, please contact your current insurance provider and ask for a Payment History Report.

Ready for the Next Step?

If we’ve already helped you review your health insurance options, please provide this information to the Marketplace representative so it can be included in your application and file:
FFM ID: BruceGardner    (with no space)
NPN: 7436916


Medicare Open Enrollment:

Medicare Open Enrollment runs October 15 through December 7, 2021.

This is the only window of time you’ll be able to change your Medicare health plan and prescription drug coverage for 2022.

Because drug plan rates change every year, it’s essential to reevaluate your coverage.

You could do it yourself...Here’s what you need to do:

  1. If you haven’t already, register or visit You’ll see your existing drug plan and all of your current medications.
  2. Browse all the plans to see if another option works best for your current medical needs. Select your plan of choice for 2022.
  3. Give us a call at 540-463-6702 to discuss your selection and we can compare it on our software.
  4. We will do the enrollment together. could contact me to assist you with your Medicare decisions. As your local agent, we can provide you with printed information and look at your options together. Plus, we'll be here throughout the entire year if you have any questions or concerns. Please contact us to discuss your Medicare options.