TRM Health

TRM Health

The TRM Process

Health insurance is one of those things that keeps us at jobs we don’t like and careers that don’t fulfill our dreams, simply because we don’t know what our options are outside of employer-provided health insurance coverage. We are here to let you know there are options for your health insurance; whether you are self-employed, between jobs or simply want to know what other options you have to protect you and your family. Here is the TRM Health process:


Basic Information

In order to run some numbers for you, we will need the following information: 

    • Zip Code (premiums vary depending where you live)

    • Age

    • Gender

    • Tobacco use


Get to Know Your Preferences

Next, we want to make sure we are quoting the appropriate coverage for your needs and preferences. In order to do that accurately, we will want to know:

    • Name of preferred or current doctors

    • Current prescriptions

    • Medical history and current health

    • Lifestyle and work (ex. If you travel often, you will need a more versatile plan to make sure you have coverage when you need it)

    • Budget for health insurance

    • Eligibility for government subsidies (we can help you evaluate your eligibility)

    • Preference to high deductible/low premium or high premium/low deductible

    • Desired effective date of coverage (when you would like your coverage to start)

    • In addition to medical insurance, is there a desire for vision and dental as well


Evaluating Eligibility

Based on the information we receive from you, we will get to work on the best options for your preferences, budget and health status.



Once we are ready to make our recommendations, we want to make sure you understand what we are recommending. We will explain every term that you do not know in detail. We provide a glossary of common and important terms that might make it easier to navigate through your health coverage options on our website, Here are few common terms, although we encourage you to visit our website for more!


    • Health Insurance Premium: The amount you pay for your health insurance every month. In addition to your premium, you usually have to pay other costs for your health care, including a deductible, copayments, and coinsurance. (

    • Vision Insurance: A health benefit that at least partially covers vision care, like eye exams and glasses. All plans in the Health Insurance Marketplace ® include vision coverage for children. Only some plans include vision coverage for adults. (


Selecting a Plan

We work closely with you to select a plan that meets your needs. Once we get quotes back, we sit down and discuss the pros, cons, and details of each plan. We provide plans details and materials for further review so that you can make an informed decision. Once you feel comfortable about a coverage option, we set to work on signing you up and activating that plan!


Ongoing Communication

It is important to us to be available to you throughout the term of your coverage. If you have questions or need resources, you can count on us to pick up the phone or answer an email to make sure we provide excellent ongoing customer service. This includes, plan change options, cancellations or selecting a new plan.


A Message from TRM Health 

We know how important it is to work with an agent you can trust and with whom you feel comfortable. If you have any questions, contact Judith at

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