Insurance Services in Arizona, North Carolina & South Carolina

Expert help with health, dental, life, Medicare Supplement, and group insurance. Andy Orlikoff is your licensed broker in all three states.

Full Insurance Services in Three States

The right insurance services protect both your health and your wallet. Andy Orlikoff has served Arizona families for over 20 years — from Surprise and Phoenix to every corner of the state — and he’s now licensed in North Carolina and South Carolina too, helping families in Calabash, Wilmington, and Myrtle Beach. One call covers all three states. Call or text (623) 742-3878 in Arizona, or (910) 760-2124 in the Carolinas.

★ Featured Plan

Medical Expense Shield — Cash Paid to You From Day One

Most people have two complaints about health insurance. First, the premium is expensive. Second, they still owe thousands out of pocket before the plan pays anything. Medical Expense Shield from Allstate Health solves the second problem. Specifically, it bundles Short Term Medical with a Fixed-Benefit plan. As a result, the plan pays cash directly to you starting with your very first doctor visit, ER trip, or hospital stay. In other words, you get paid before the deductible is ever met.

View the Plan Brochure

Why Clients Love It:

First-dollar cash: Benefits paid to you from day one.
Counts twice: Every dollar also works toward your deductible.
After deductible: Plan pays 100% of most covered care — and the cash keeps coming.
Your choice: $25,000 or $35,000 deductible · Core or Plus tier · 12-month or 3-year rate lock.
Network: Nationwide Aetna Open Choice® PPO — Mayo Clinic in-network.

A Smart Choice: 3-Year Short-Term Plans

Marketplace plans aren’t the right fit for everyone — especially if you’re healthy and don’t qualify for a big subsidy. That’s where Short-Term Health Insurance Plans shine: terms up to 3 years, much lower monthly costs, and PPO networks that keep the Mayo Clinic in reach. For a lot of families, it’s the same protection for a lot less money.

Get Your Custom Quote

The Short-Term Perk:

Length: Renew for up to 36 months.
Network: PPO access to top doctors.
Savings: Lower rates for healthy folks.

PPO Plans for Individuals & Business Owners

Individuals and families can now qualify for group health plans on the Blue Cross Blue Shield and Aetna nationwide networks. Curious how it works? Simply watch the short video to see how you can qualify. In short, it takes just a few minutes. As a result, you get true group benefits at a lower cost.

Explore Insurance Coverage Options

Medical Expense Shield

Our featured plan. Cash is paid directly to you starting with your very first claim — before the deductible is ever met. View the brochure.

Medicare Help

Turning 65 or already on Medicare? I specialize in Medicare Supplement plans that protect you from big hospital bills — with no networks and no referrals needed.

Basic Plans

Affordable plans that cover accidents and injuries. They protect your savings from the unexpected without a big monthly premium.

ACA Marketplace

The right choice if you have ongoing health conditions or qualify for a subsidy. Browse plans at HealthCare.gov — or let me compare them for you at no charge.

AHCCCS (Arizona Medicaid)

I don’t handle AHCCCS enrollment — you can apply directly at azahcccs.gov. But if you’re denied or your income puts you over the limit, call me and I’ll help you find private coverage that fits.

Group BCBS & Aetna

Nationwide group PPO plans on both the Blue Cross Blue Shield and Aetna networks — real group benefits, now available to individuals and families.