IN SHORT //////////////////// Ever felt like your insurance claims / amounts / amount due wasn't quite right? But can really never know because everything is in industry code amidst the never ending parameters of your plan? I've got news for you - those days can be longggg gone for you with one call to the Michael Jordan of Insurance. The Insurance / Numbers Ninja, Angel that is Christina Marie. EVEN IF YOU DON'T feel that way, you should still stop what you're doing & connect with Christina just in case. After reviewing & reconciling my dental statement to my Guardian claims, we discovered it was off by a whopping *two thousand dollars* IN (WELL-EARNED) LENGTH ///////////////////////////- I was terminated from my job and was looking to just get some clarity around continuing coverage with COBRA. As fate would have it, I got connected with Christina who exuded her expertise with ease, leading me to ask her about other curiosities / specifics I had around my plan and claims specifically. Not only did she address all of my COBRA questions and concerns, but more importantly did a deep dive (with zero hesitation) into the Matrix level of discrepancies across my previous claims due to a variety of factors (below): -- Services rendered across two benefit years -- 2 Annual Maximums, Deductibles, Out-of-Pockets, etc. etc. -- The use of 2 Health Savings accounts -- The maximum for my Orthodontics (which is separate from dental maximums / benefits) -- Insurance Adjustments vs. Insurance Payments vs. Cost Variance vs. Payments made by Me -- Andddd the swift occurrence of these services being all within a 5 month period (8/25/22 - 1/13/23) I know, I know - reading that is an exhausting doozy in itself, BUT is a vital component to the impact of my message and the depth of advocacy I now have for Christina. As she graciously spent *3 hours* with me (non-stop, no water, no bathroom breaks, NADA) meticulously reviewing and reconciling my dental statement vs. claims submitted & paid by Guardian so that we could not only know what my true balance is, but also equip me to be able to breakdown the 'why and how' to my dental team. AND generated a map to boot, concisely translating the convolution of cross-wires within my statement to bring clarity this mess desperately needed. Now, should your company provide Christina as a resource, please know how so, so lucky you are to have her at your disposal and take advantage of it. Kind, patient, clear, razor sharp-smart and exceptionally knowledgeable in her realm, are just a few of the MANY wonderful qualities she exuded, all while solving this Masterclass level Scooby Doo mystery, within 3 hours. So while 3 hours to solve it was long, relatively speaking it's not much time at all, which is a testament in itself to her and all she has to offer. She made something painfully tedious, quite enjoyable and fun, like solving a game together. And was able to decode the dental office's statement with ease when they can't even transcribe their own work.. so really 3 hours is Guinness Record worthy. WRAPPING IT UP /////////////////// Suffice to say, I cannot say enough good things about her and I hope everyone takes advantage of her expertise. It's impactful and immensely relieving to have the Michael Jordan of Insurance on your side - and it could save you BIG! In closing, I will be giving her my first born and fangirl any chance I get. To say she deserves it would be a criminal level of an understatement - but please, *don't take my word for it.* SEE FOR YOURSELF :) read more

I have been working with Josh for many years, close to 20. He and all of his staff go out of their way to ensure that my needs are met. They are always well ahead of deadlines ensuring you have plenty time to review your options before making a decision. They all carefully listen to your needs and seek the best possible solutions. I wish I had the same type of service from other vendors I work with. He could not give a higher recommendation. read more

Great service, helped me through all my Obamacare concers. Ended up with an amazing plan for a great rate. I haven't had Healthcare for 15 years and Joshua and his gang really hooked me up. Can't recommend them enough. read more

Vanguard Benefit Solutions helped me out so much, I don't know what I would have done without them. Insurance is confusing but Joshua and his team explained everything to me and helped me find the best plan for me. I was so impressed with their professionalism and kindness. Highly recommend them! read more

Josh, was highly recommended by friend, now I know why after interacting with him. I was putting off getting insurance, because everything on the web was taking me in circles. My friend urged me and said "this guy is an expert, he will save you serious time, just do it......" I couldn't be happier about his knowledge, which he was happy to summarize and share, plus his responsive service that I got. I would highly recommend him if you need health insurance. Thank you! Gabrielle read more

I have worked with Josh for over 15 years for my various clients insurance needs and have never been disappointed. His group is fast, efficient and thorough. Never need to remind them or follow up with requests as all requests just get done as they should. Josh has always been honest and never steered me or my clients in wrong direction! I refer Josh as often as possible and have never heard a negative comment from anyone. read more

There are very few times in life when I have the pleasure to make a recommendation without any reservation. Josh, through his company, Vanguard, has handled all my business and personal insurances. He has patiently and intelligently advised me for many years. He has consistently followed through and he and his staff have assisted me in any matters that required additional attention. He values his clients and it shows in the service he provides. I have recommended him to colleagues and friends over the years and no one has been disappointed. You will be in excellent hands if you choose this company to work with you. read more

Josh is Knowledgable, quick to respond, and very professional. I highly recommend him!!

Josh is exactly what you want as it pertains to reps in his field. He is incredibly knowledgable, responsive and professional. I also found the staff at his office to be top notch. I won't hesitate to refer him to anyone. read more

I am always hesitant to give a 5 star rating to any company or individual since "as good as it gets" says a lot. With Vanguard Solutions, however, I found it easy to do for a second time! I dealt primarily with Christina but everyone else who helped me get re-insured were equally helpful. Obtaining healthcare insurance in this ever changing environment is very difficult but I got it done quickly and with little lingering concern. The opposite was true when I dealt with the health care companies directly. If you are uncertain about what the quality options are then I highly recommend you give them a call. read more