Author Archives: Roger Gill

About Roger Gill

Roger is an Insurance and Financial Services Professional with over 19 years of experience. He earned a BA in Economics, a Masters and EdS graduate degrees from The College of William and Mary. Roger owns The Insurance Advisor, LLC and MyBiz OnLine Services, LLC an online marketing and advertising agency, both located in Richmond, Virginia. He also serves as a Virginia Territory Manager for Smart Choice Agents.
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The Insurance Advisor is a full service independent insurance agency representing over 3 dozen carriers. Although Roger manages all insurance products and services, he specializes in commercial insurance.

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Here are my most recent posts

Health Insurance Agent

Health Insurance Agent

Health Insurance Agent | Affordable Health Insurance by The Insurance Advisor We do the Shopping for You! (804) 638-9024

Important.  Every Health Insurance Agent who works with The Insurance Advisor can shop top-rated Health Insurance companies and products to provide exceptional service and value to our clients. Our trained, professional staff will do the research, analysis, and shopping for you.  You save time and money and get the best value for the Virginia Health Insurance and services you need.

The Virginia Health Insurance Resources included on this page will provide information and resources to assist individuals and businesses with their Virginia Health Insurance needs.

The Marketplace Open Enrollment for 2016 ended January31, 2016. You can still buy a Marketplace health plan only if you qualify for a special enrollment period. You can apply for Medicaid and CHIP any time. Find out if you qualify for a Special Enrollment Period or Medicaid and CHIP.  Open Enrollment for 2017 coverage starts November 1, 2016.

The Virginia Health Insurance Market Place:  Confusing???

DO NOT WORRY!  The Insurance Advisor is a full service Independent Insurance Agency that represents many top-rated Virginia Health Insurance companies.  An experienced Health Insurance Agent will determine your needs and shop companies to find the best Virginia Health Insurance coverage for the price. Our clients get the best value for the Virginia Health Insurance they need.

And if you would like to better understand some of the terms used in the Virginia Health Insurance Resource information, go to this Health Insurance Glossary. Also, please feel free to contact a Health Insurance Agent with any questions.  (804) 308-9424

Seniors may get Medicare Supplement Quotes and Coverage information from Medicare Supplement Quotes.

If you plan to travel outside of the United States, you will likely need an International Health Plan. Most US Health Insurance Policies either limit or provide no coverage outside of the United States. Do not risk needing medical care while traveling outside the United States–get an IMG Medical Policy.

Travel Medical Insurance - International Medical Group

Contact a Health Insurance Agent  (804) 638-9024

Save up to 60% on Dental Care - Click to Find your Plan


Here is a re-post of a Guide to the Health Insurance Marketplace published by the US Government.

 Get Covered: A one-page guide to the Health Insurance Marketplace

STILL NEED HEALTH COVERAGE FOR 2016?

Open Enrollment is over. But you can still get 2016 health insurance 2 ways:

If you haven’t applied for insurance on HealthCare.gov before, here’s what you need to know about the Health Insurance Marketplace (sometimes known as the health insurance “exchange” or “Obamacare exchange”).

1. The Health Insurance Marketplace is for people who don’t have health coverage

If you don’t have health insurance through a job, Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or another source that provides qualifying coverage, the Marketplace can help you get covered.

2. What you pay for insurance depends on your income – and you’ll probably save

Your savings depend on your estimate of your expected income for 2016, not your income for 2015. This year, about 8 in 10 of the uninsured who are eligible for Marketplace coverage qualify for financial assistance to lower the cost of their monthly premiums. Get a quick idea if your expected income is in the range to save.

Based on the income estimate you put on your application, we’ll tell you if you qualify for one of these:

A health insurance plan with savings

Most people who apply qualify for a premium tax credit that lowers their monthly insurance bill. Some also save on out-of-pocket costs like deductibles and copayments.

The plans are offered by private insurance companies with a range of prices and features. All plans cover:

You can add dental to a health plan, but you don’t have to. You can’t buy a dental plan unless you enroll in a health plan.

Medicaid and the Children’s Health Insurance Program (CHIP)

Medicaid and CHIP provide free or low-cost coverage to millions of people and families with limited income, disabilities, and some other situations.

3. You can apply for coverage 4 ways

You can apply for health insurance any way that works for you:

4. If you don’t have health insurance, you may have to pay a fee

Most people must have qualifying health coverage or pay a fee with their 2016 federal taxes.

  • If you don’t have coverage in 2016, you’ll pay a penalty of either 2.5% of your income, or $695 per adult ($347.50 per child) — whichever is higher. Learn about the fee.
  • In some cases, you might qualify for an exemption from the requirement to have health insurance.

Personal Health Insurance Coverage for Different Needs

On the right sidebar of this page, you will find links to a number of personal insurance resources. Click on any of the different personal insurance coverage categories to learn more about specific insurance issues and coverages. Please call one of our insurance agents at The Insurance Advisor for any assistance.

Call, request a quote by email, or visit us at our office today for a free, no obligation Virginia Health Insurance quote. Let a Health Insurance Agent with The Insurance Advisor do the research and find the best value for the Virginia health insurance coverage you need.

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Why Choose A Health Insurance Agent with The Insurance Advisor?

The Insurance Advisor agents combine years of experience and top-rated Health Insurance companies and products to provide exceptional service and value to our clients.  A trained, professional Health Insurance Agent will do the research, analysis, and shopping for you.  You save time and money and get the best value for the Virginia Health Insurance and services you need.

Call or visit our office today for a free, no obligation risk assessment and quote.

 Let us do the research and find the best value for the Virginia Health Insurance you need.

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Press Release: The Insurance Advisor is the 2013, 2014, 2015, and now the 2016  Best of Richmond Award recipient for the Insurance Company category.

The Insurance is the 2016 recipient of The Best of Richmond Award in the Insurance Agency category. (804) 638-9024The Insurance Advisor, LLC is the “2016 Best of Richmond Award” recipient for the Virginia Insurance Company category. This makes the fourth year in a row we have received this award (2013, 2014,  2015, &  2016)!  Thanks to our clients, carriers, service providers, Smart Choice, and associates!!

The Richmond Award Program is an annual awards program honoring the achievements and accomplishments of local businesses throughout the area. Recognition is given to those companies that have shown the ability to use their best practices and implemented programs to generate competitive advantages and long-term value.  Various sources of information were gathered and analyzed to choose the winners in each category. The 2016 Richmond Award Program focuses on quality, not quantity. Winners are determined based on the information gathered both internally by the Richmond Award Program and data provided by third parties.

Each year, the Richmond Award Program identifies companies that we believe have achieved exceptional marketing success in their local community and business category. These are local companies that enhance the positive image of small business through service to their customers and our commu

Virginia Health Insurance Resources

Virginia Health Insurance Resources Important.  The Virginia Health Insurance Resources included on this page will provide information and resources to assist individuals and businesses with their Virginia Health Insurance needs. The Marketplace Open Enrollment for 2016 ended January31, 2016. You can still buy a Marketplace health plan only if you qualify for a special enrollment period. You can apply for Medicaid… Continue Reading

Smart Choice Agents Program Virginia News

Smart Choice® Agents Program Virginia News Updated July 2017   Roger Gill, Virginia Smart Choice Territory Manager   Smart Choice®  has provided agents with access to carriers and brokers since 1994.  Over the past several years,  the Smart Choice Team  has been working hard to make their Virginia Insurance Agent Program even better.   The following is an overview… Continue Reading

Instant Online Auto Quotes

  ___________________________________________________________________     From Multiple Carriers On The Insurance Advisor Website! The Insurance Advisor now provides  “Instant Auto Insurance Quotes”  with our Virginia Insurance Quotes Engine.   Yes, that is correct!  Not just one quote–but multiple Instant Auto Insurance Quotes from multiple carriers. All you need to do is to click anywhere on the… Continue Reading

Instant Auto Insurance Quotes

  _____________________________________________________   From Multiple Carriers On The Insurance Advisor Website! The Insurance Advisor now provides  “Instant Auto Insurance Quotes”  with our Virginia Insurance Quotes Engine.   Yes, that is correct!  Not just one quote–but multiple Instant Auto Insurance Quotes from multiple carriers. All you need to do is to click anywhere on the the… Continue Reading

Hurricane Preparation Safety Tips

September has historically been a time when Hurricanes hit Virginia and a good time to review the following Virginia Hurricane Preparation and Safety Tips.   The following information is intended to help to reduce the severity of property damage and bodily injury during and after a major storm.  Please share.The National Hurricane Center has some of the best information on… Continue Reading

Commercial Insurance Markets for Virginia Agents

  Smart Choice® Agents Program for Virginia Agents Access to Commercial & Personal Lines Insurance Markets   BREAKING NEWS:  Smart Choice®  is an alliance of over 5000 agents and provides Independent and Captive Agents (with a Letter of Authority) with access to diverse, competitive commercial markets with no fees and 100% agency ownership of book. The Smart Choice®… Continue Reading

Virginia Surplus Lines Brokers: Fill Your Market Gaps

Why Would I Ever Use a Surplus Lines Broker? The following article was written by Patrick Meredith and published on LinkedIn.  Most Insurance Agencies will need to use Virginia Surplus Lines Brokers to write business outside of their standard carrier offerings.  However, when and how to use a surplus market product is a plus when… Continue Reading

Virginia Insurance Agent Program

Smart Choice® Virginia Insurance Agent Program Updated January 2017 Access to Markets and More Roger Gill, Virginia Smart Choice® Territory Manager   Over the past several years,  the Smart Choice® Team  has been working hard to make their Virginia Insurance Agent Program even better.   The following is an overview that will provide some insight as to… Continue Reading