Health coverage
ACA Marketplace, major medical, Medicare, and individual or group options.
GuardianFinancial ProtectionScheduleIndependent brokerage · Championship-level guidance
I help people protect what matters most—without the confusion.
Clear, honest guidance for individuals, families, and employer groups across health, dental, vision, and life coverage.
Explore ACA Marketplace, major medical, Medicare, PPO, EPO, and HMO options—then bundle benefits around your life, your people, and your budget.
✓Independent brokerage · Affiliated with Compass Health Consultants · Not affiliated with Guardian Life
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Protection that works together
Build the right benefits around your real life.
Start with the coverage you need, then close the gaps without paying for benefits that do not serve you.
Dental coverage
Preventive, routine, and restorative options that fit your budget.
Vision coverage
Benefits for eye exams, lenses, frames, and ongoing vision care.
Life insurance
Protection for the people and responsibilities that count on you.
Coverage for how you live and work
One trusted broker. Two clear paths.
Whether you are protecting your household or your team, I explain the tradeoffs in plain English so you can decide confidently.
Individuals & families
Coverage that follows your life—not a one-size-fits-all script.
- ACA Marketplace and individual major medical
- Medicare Advantage, Supplements, and Part D
- Dental, vision, life, and gap protection
- Help comparing premiums, networks, and out-of-pocket costs
Employers & groups
Benefits your people can understand, use, and appreciate.
- Individual and group PPO, EPO, and HMO options
- Health, dental, vision, and life benefit bundles
- Plan comparisons aligned with budget and workforce needs
- Clear enrollment guidance and ongoing support
PPO, EPO, or HMO?
The alphabet soup, translated.
Your network choice affects flexibility, referrals, and cost. I help match those differences to how you actually receive care.
More provider flexibility
Often allows out-of-network care and specialist access without a referral, usually at a higher cost.
A focused network
Typically keeps care in-network while offering direct specialist access within the plan network.
Coordinated care
Usually centers care around a primary doctor and a defined network, often with lower premiums.
Plan types, carrier networks, and benefits vary by location, eligibility, and availability.
Your broker, not a call center
Meet John Fergerson.
I am a licensed insurance advisor affiliated with Compass Health Consultants. I help individuals, families, and small businesses find coverage that fits at a price they can live with.
Clear, honest guidanceOptions shaped around your budgetNo pressure and no jargonOngoing support when you need it
“No obligation. Just honest answers and solutions that fit your life.”
Simple by design
From questions to confident coverage.
- 01
Tell me what matters
We talk through doctors, prescriptions, budget, household, or team needs.
- 02
Compare your options
I explain the tradeoffs clearly so you can see what fits and what does not.
- 03
Choose with confidence
You decide. I help with next steps and stay available afterward.
When the basics are not enough
Fill the gaps thoughtfully.
Supplemental protection should support your main coverage—not distract from it.
- Medicare Advantage and Supplements
- Prescription Drug Plans
- Disability coverage
- Critical illness and accident coverage
Ready when you are
Let’s make insurance simple.
No pressure. No jargon. Just a clear conversation about what fits.