Supplemental

Turn an unexpected medical event into a covered one — cash in your hand, not a surprise bill
— without overlapping the coverage you already have.

Huhn Insurance’s Coverage Gap Analysis is led by Heather’s medical-billing background — she has seen the bills people actually get hit with. Independent and multi-carrier, it names exactly what your base plan does not cover and matches each gap to the right product. We solve, we don’t sell.

Book Your Coverage Gap Analysis Or call 307-284-3060
Book Your Coverage Gap AnalysisOr call 307-284-3060
The Offer

The 30-Minute Coverage Gap Analysis

Turn an unexpected medical event into a covered one — cash in your hand, not a surprise bill — without overlapping the coverage you already have.

Huhn Insurance runs the 30-minute Coverage Gap Analysis: we name what your base medical plan does NOT cover — deductible and out-of-pocket exposure, lost income, hospital stays, recovery care at home, and routine dental, vision and hearing — and match each gap to the right supplemental product. You choose. We recommend only what the gap analysis supports.

These are excepted benefits — not Medicare Supplement or Medigap, and a supplement, not a substitute for major medical. They pay cash directly to you, on top of the base plan you already have. Benefits, waiting periods and exclusions vary by policy and carrier.

Why use a broker

The premium is the same either way

Broker compensation is paid by carriers; any client-paid fee is disclosed in writing before engagement. You pay the policy premium you choose, and nothing about that premium changes because you enrolled through an agent.

The difference is an independent, multi-carrier look at what your base plan actually leaves you, each gap matched to the product that closes it, and a recommendation limited to what the gap analysis supports — run by someone whose background is medical billing, so the analysis is real and not a pitch.

Desk with paperwork, computer and reading glasses
THE OUT-OF-POCKET EXPOSURE PROBLEM

Major medical leaves
real gaps.

Hospital-stay costs
Accident out-of-pocket
Final expenses
Routine dental / vision
Big diagnosis costs
Lost paycheck

Major medical never replaces lost income, and pays the provider, not you.

44% of employees
cannot cover a $1,000 out-of-pocket bill — Aflac WorkForces Report, 2025

Published figure, stated as published by Aflac WorkForces Report, 2025, and current as we understand it in August 2026. It describes employees generally — it is not a statement about you, and nothing on this page reflects any individual’s health, claims or coverage history. Supplemental products are excepted benefits: a supplement, not a substitute for major medical. Benefits, waiting periods and exclusions vary by policy and carrier. We do not guarantee claim approval, rates or plan availability.

The Coverage Gap Analysis

6-Step Path

Three phases. Each one delivers a clear outcome before moving to the next.
Name the gaps → Match the product → You choose,
bundled into your bind and your annual review.
Phase 1 phase imagery
1
Phase 1
Name & Match

See your real exposure.

  • 1
    Name the gaps
    Review what your base plan does not cover
  • 2
    Match the product
    Match each gap to the right product
You walk away with

A clear list of your real exposure, and the products that close it.

Phase 2 phase imagery
2
Phase 2
Choose & Enroll

You decide what to add.

  • 3
    You choose
    Only the coverage the gap analysis supports — nothing more
  • 4
    Enroll
    We handle the paperwork and the confirmations
You walk away with

Only the coverage the gap supports, enrolled and confirmed.

Phase 3 phase imagery
3
Phase 3
Keep It Right

We stay with it after you sign.

  • 5
    Claims help
    We help when a covered event actually happens
  • 6
    Annual re-check
    We re-check your gaps at each annual review
You walk away with

A plain-language map of your gaps that gets re-checked every year.

A consultative review, not a product pitch. You walk away with a plain-language map of your gaps and the products that close them. We recommend only what the gap analysis supports — no stacking coverage you don’t need.

We review only the plan information you choose to share with us. We never use a group plan’s protected health information to market to its employees — worksite offers are made in person, at the enrollment, to everyone alike.

Carrier partnerships

Independent Agent — Multiple Carriers

WY · ID · MT · CO · CA · TX

Independent Wyoming insurance agency · Chamber of Commerce Board of Directors and Membership Committee · Government Committee · SHRM member

More Options

Access to multiple carriers means more plan designs and network choices.

Unbiased Guidance

How we’re paid is disclosed in writing up front — recommendations are based on fit.

Ongoing Support

Year-round service and renewal strategy — not just during open enrollment.

What we place

All twelve products we place

The gap map is how we decide·This is everything we can place

Dental

  • Cleanings and fillings
  • Major work too

Vision

  • Eye exams
  • Lenses and frames

Dental / Vision / Hearing

  • All three in one plan
  • Hearing included

Short-Term Home Health

  • Care at home
  • While you recover

Accident

  • Cash after a covered accident

Critical Illness

  • Lump sum on a covered diagnosis

Hospital Indemnity

  • Cash for a covered stay

Cancer

  • Cash on a covered diagnosis
  • Non-medical costs too

Life

  • People who depend on you
  • Final expenses

Short Term Disability

  • Part of your paycheck
  • Temporary disability

Long Term Disability

  • Protects your income
  • A longer disability

Accidental Death & Dismemberment

  • After a covered accident

Existing Huhn Insurance clients across Wyoming, and anyone who books through our scheduler — same gap analysis for everyone. Huhn Insurance is licensed in six states — WY · ID · MT · CO · CA · TX. All twelve are excepted benefits: a supplement, not a substitute for major medical, and not Medicare Supplement or Medigap.

THE OUT-OF-POCKET EXPOSURE PROBLEM

What comes with the Coverage Gap Analysis.

Named gaps·Gap-matched products·Cash to you·Billing-credible advice·No over-stacking·Bundled into your review

What your base plan leaves you
  • Hospital-stay out-of-pocket — closed by hospital indemnity
  • Deductible and out-of-pocket after an accident — closed by an accident plan
  • Final expenses and income protection — closed by final-expense or supplemental life
  • Routine dental and vision — closed by a limited-scope dental / vision plan
  • Big diagnosis costs — cancer, heart, stroke — closed by critical illness or a cancer lump sum
  • Lost paycheck during a disability — closed by disability income, short or long term, about 60% of income
What you get with the Coverage Gap Analysis
  • Named gaps — we name exactly what your base plan does not cover, in plain language
  • Gap-matched products — each gap matched to the right excepted-benefit product, nothing more
  • Cash to you — every product pays cash directly to you, to use as needed
  • Billing-credible advice — Heather’s medical-billing background means the analysis is real, not a pitch
  • No over-stacking — we recommend only what the gap supports, so no overlapping coverage
  • Bundled into your review — done at bind or at your annual review, one short conversation
Major medical never replaces lost income, and pays the provider, not you.
Every product pays cash directly to you, to use as needed
We recommend only what the gap analysis supports — no over-stacking
Excepted benefits — a supplement, not a substitute for major medical
Important disclosure

Broker compensation is paid by carriers; any client-paid fee is disclosed in writing before engagement. These products are excepted benefits — a supplement, not a substitute for major medical, and not Medicare Supplement or Medigap. We do not guarantee claim approval, rates or plan availability. Benefits, waiting periods and exclusions vary by policy and carrier.

Read how compensation works and what is included

How compensation works

Broker compensation is paid by carriers; any client-paid fee is disclosed in writing before engagement.

Included in the Coverage Gap Analysis

Named gaps · Gap-to-product match · Enrollment and paperwork · Claims help · Annual gap re-check · Recommend-only-what-fits discipline.

Not included

Major medical replacement · over-stacked coverage · tax or legal advice · any service requiring a separate engagement.

Review your setup and decide the next step.

Book Your Coverage Gap Analysis

No obligation. Engage now or revisit at your next renewal.

How we help

We solve, we don’t sell.

What we control·What we don’t·How compensation works

Our Promise

Name the gaps → Match the product → You choose.

We name your real gaps and recommend only the products those gaps support. We never stack overlapping coverage you don’t need. The same path, bundled into your bind and your annual review, re-checked every year.

What this means

We do not guarantee claim approval, rates or plan availability — those are carrier-determined. Benefits, waiting periods and exclusions vary by policy.

What we control

We control the process.

We help with:

  • Name what your base plan does not cover
  • Match each gap to the right product
  • Recommend only what the gap supports
  • Handle enrollment and paperwork
  • Help with claims when an event happens
  • Re-check gaps at each annual review

You share what your base plan covers, bring your current insurance card and your provider’s carrier list, choose the coverage that fits, decline what you don’t need, and tell us when your situation changes. We make sure the steps are clear, the work is tracked, and you know what happens next.

What we do not control

Carriers control carrier decisions.

Insurance carriers decide things like:

  • Whether claims are approved
  • Whether prices go up or down
  • Which doctors and hospitals are in the network
  • Which plans they offer

We cannot promise what the carrier will decide. We can promise to help you understand the options and stay organized.

How compensation works

We explain how we are paid before you move forward.

Depending on the plan, we may be paid by:

  • The insurance carrier
  • A client-paid fee
  • A mix of both

If there is a fee paid by you, we explain it in writing first. No surprises.

One team, one clear path, every renewal.

Heather Huhn
Licensed
Independent Agent
Heather Huhn
Co-owner, Agent
WYIDMTCOCATX
  • Wyoming-anchored
  • Independent broker
  • Leading the operating path on every renewal
Artemus Huhn
Growth
Operations
Artemus Huhn
Co-owner, Operations
  • Leads strategic partnerships
  • Drives automation priorities
  • Builds and improves operating systems
Timing

Right moment, right conversation

The gap analysis attaches to moments you are already in. You do not have to make a separate trip for it.

At bind — the #1 moment

Offered when we set up your core plan — highest fit, because we already know what it covers

Annual review — about 120 days off-renewal

Re-checks your gaps as your situation changes

Worksite enrollment

Voluntary and employee-pay-all — offered in person, at the enrollment, to everyone alike

Any time you ask

Dental, vision and hearing plans enroll year-round — you don’t have to wait for a review

Waiting periods and effective dates vary by product and carrier. Dental is usually about 3 months for basic work and 6 months for major. Confirm your dates with us before you rely on them. Worksite offers are made in person, at the enrollment, to everyone alike — we never use a group plan’s protected health information to market to its employees.

Common questions

What people ask before booking.

Broker compensation is paid by carriers; any client-paid fee is disclosed in writing before engagement. You pay only the policy premium you choose.
No. Supplemental products are excepted benefits — a supplement, not a substitute for major medical. They pay cash on top of your base plan.
We recommend only what the gap analysis supports, so you’re not paying for coverage you don’t need.
The benefit is paid in cash directly to you when a covered event happens — you decide how to use it.
Usually — about 3 months for basic work and 6 months for major. If you already have a dental plan, some carriers waive the wait. There are no-wait plans too, but they generally pay less. We’ll show you the trade.
Often, yes. Ask their office which carriers they’re contracted with and bring that list — we’ll match it against the plans before you choose.

Review your setup and decide the next step.

Book Your Coverage Gap Analysis

No obligation. Engage now or revisit at your next renewal.