At Maple Valley Insurance Group, we’re an independent health insurance agency and licensed insurance broker personally serving Kalamazoo and surrounding areas, and while also licensed in another 30 states nationwide. Whether you’re navigating the complexities of Medicare, shopping for affordable health insurance, or securing life insurance coverage that fits your stage of life, we’re here to guide you every step of the way.
We help individuals, families, seniors, and small business owners protect what matters most — your health, your family, your business, and your future.
Our Everyday Insurance Services and Products
🏥 Marketplace Health Insurance (ACA Plans) for Individuals & Families
As your local health insurance agency, we help individuals and families enroll in Affordable Care Act (ACA) marketplace plans, whether you’re eligible for premium tax credits or shopping off-exchange.
We’ll walk you through Bronze, Silver, Gold, and Platinum plan options — and as independent insurance brokers, we compare multiple carriers to ensure you’re maximizing both your savings and your coverage.
Ideal for: Self-employed individuals, part-time workers, early retirees, and families without employer coverage.
💙 Medicare Plans: Medigap & Medicare Advantage
Turning 65 or retiring soon? As licensed insurance brokers, we help you compare both Medicare Supplement and Medicare Advantage plans from top-rated insurers in your area — so you can feel confident choosing the right path for your needs.
🧾 Medicare Supplement Insurance (Medigap)
Medigap plans work with Original Medicare (Parts A & B) to help pay out-of-pocket costs like copays, coinsurance, and deductibles. These plans give you the freedom to see any doctor who accepts Medicare nationwide, with no network restrictions.
We compare top carriers like Aetna, Mutual of Omaha, UnitedHealthcare, and more to find you the best rates and coverage.
Ideal if you want:
- Nationwide provider access
- Predictable out-of-pocket costs
- Flexibility and freedom of choice
We also help you select a Part D drug plan if needed.
🩺 Medicare Advantage Plans (Part C)
Medicare Advantage is an all-in-one alternative to Original Medicare, offered by private insurance companies. These plans bundle your Part A and Part B coverage, usually include prescription drug coverage (Part D), and often come with extra perks like:
- Dental, vision, and hearing benefits
- SilverSneakers® memberships
- Over-the-counter allowances and transportation assistance
We help you compare HMO, PPO, and PFFS plans to determine which Medicare Advantage plan fits your providers, prescriptions, and budget.
Ideal if you prefer:
- One card and one plan for all benefits
- Lower or $0 premiums
- Added extras that Original Medicare doesn’t cover
🆚 Medicare Supplement vs. Medicare Advantage: What’s the Difference?
| Feature | Medicare Supplement (Medigap) | Medicare Advantage (Part C) |
|---|---|---|
| Doctor & Hospital Access | Any provider nationwide that accepts Medicare | Typically limited to network (HMO/PPO) |
| Referrals Needed? | No referrals required | Often needed for specialists (HMO plans) |
| Prescription Drugs (Part D) | Not included – must buy a separate plan | Usually included |
| Monthly Premiums | Higher (but fewer out-of-pocket costs) | Lower (sometimes $0), but with copays |
| Out-of-Pocket Costs | Predictable – covers most or all gaps in Medicare | Varies – includes deductibles, copays, and coinsurance |
| Extra Benefits (Dental, Vision, etc.) | Not included | Often included |
| Travel Coverage | Nationwide; some plans include foreign travel emergency coverage | Emergency-only outside service area |
| Best For | Frequent travelers, people who want maximum freedom | Budget-conscious shoppers wanting bundled coverage |
🛡️ Indemnity Health Insurance Plans
Looking for flexible health coverage? Indemnity plans offer cash benefits for unexpected medical events, hospital stays, or doctor visits — often with fewer restrictions than traditional plans.
These plans are a smart option for:
- People who don’t qualify for ACA plans
- Those who need gap or supplemental coverage
- Individuals seeking greater control over benefits and care
🏢 Group Insurance for Employers & Small Businesses
We offer custom group benefit solutions for businesses of all sizes, including:
- Group Health Insurance
- Group Life Insurance
- Dental & Vision Plans
- Short-Term & Long-Term Disability Insurance
As an independent insurance broker, we work directly with business owners to build competitive benefits packages that help attract and retain employees — while managing long-term costs.
😁 Dental, Vision & Hearing Insurance for Individuals & Families
As a trusted dental insurance agency in Kalamazoo, our agents help individuals and families find affordable, standalone dental, vision, and hearing plans from leading carriers.
Whether you’re looking for basic cleanings or full coverage with no waiting periods, we’ll help you compare plans that include:
- Preventive & major dental care
- Eye exams, glasses, and contacts
- Hearing exams and hearing aid benefits
⚰️ Whole Life & Final Expense Insurance
Whole life insurance builds guaranteed cash value and never expires as long as premiums are paid. Final expense insurance is a simplified version designed to cover funeral and end-of-life costs — typically with no medical exam required.
Ideal for seniors or anyone who wants:
- Peace of mind
- To protect loved ones from funeral costs
- A small legacy gift or coverage for outstanding debts
🕒 Term Life Insurance
Term life insurance offers high coverage amounts for a set number of years — usually 10, 20, or 30 — at an affordable monthly cost. It’s ideal for:
- Income replacement
- Mortgage protection
- Family security during working years
We shop dozens of highly rated carriers, including options for people with medical conditions or past health issues.
🔄 Universal Life Insurance
Universal life insurance offers flexible, permanent protection with adjustable premiums and death benefit levels. Depending on your needs, we offer:
- Guaranteed Universal Life (GUL) – for lifelong, stable protection
- Indexed Universal Life (IUL) – for those seeking cash value growth tied to market indexes
Perfect for:
- Estate planning
- Business succession
- Long-term legacy goals
✅ Why Choose Maple Valley Insurance Group?
- Independent & Unbiased – As experienced insurance brokers, we’re not tied to one company. We compare dozens of top-rated carriers to always find the best value for your needs.
- Health Insurance Experts – Whether you’re shopping for an ACA plan, Medicare coverage, or a short-term policy, we’re your local health insurance agency with over 20 years of experience.
- Life Insurance Gurus – Whether your healthy as they come or have have had rocky health, we know the right companies and products to best meet your needs and budget.
- Dental Insurance Specialists – As a dedicated dental insurance agency, we help individuals and families find the right dental, vision, and hearing plans — with or without medical coverage.
- No-Cost Expertise – You’ll never pay us a fee. Our licensed agents and brokers offer personalized consultations at no cost and no obligation.
- Local + National Service – Based in Kalamazoo, MI, we meet with clients locally — at home, coffee shops, or by appointment — and we also serve clients nationwide via phone and Zoom.
- Flexible Appointment Options – Meet with us by phone, Zoom, or in a public place like your home or favorite coffee shop — whatever makes you most comfortable.
📞 Ready to Talk?
Whether you’re exploring insurance options for yourself, your family, or your employees, we’re here to make the process simple, clear, and stress-free.
Call us today at 269-244-3420 or request a free quote to get started.
At Maple Valley Insurance Group, you’re never just a policy number. You’re part of our community.