Get affordable coverage that fits your stage of life, not just a notice in the mail. Steve compares multiple carriers, explains your options in plain language, and helps you enroll in flexible 12 to 36 month plans with year round availability.
Whether you are about to turn 65 or already enrolled, Medicare can feel confusing. Steve can help you understand how Parts A and B work, when a Part D or Medicare Advantage plan makes sense, and how Medigap coverage can fill the gaps. You leave with a clear plan and confidence that you chose the right path.
Rising premiums do not have to be a given. Steve reviews your census, explore fully insured and level funded options, and shows you strategies like transitioning Medicare eligible employees off the group plan to control costs while improving coverage.
Health insurance does not have to feel overwhelming. With nearly 45 years of experience, Steve Seto combines industry knowledge with real family values to help you choose coverage you can actually understand and feel good about.
Independent advice:
Steve is an independent broker, which means he works for you, not a single carrier. You see multiple options and choose what fits your health, lifestyle, and budget.
Education first:
Every conversation starts with simple explanations, not sales pressure. You get your questions answered, the fine print decoded, and support long after you enroll.
Ongoing support:
Plans, networks, and needs change. Steve reviews coverage with you, helps you respond to life events, and guides you through renewals and transitions like Medicare or new group benefits
First, we will review your census for Medicare-eligible employees and transition them to a superior Medicare plan. This will help make your census younger and healthier, potentially lowering group rates. Then, we will determine which carrier and plan designs suit your company.
Next, we’ll evaluate your eligibility for a Level Funded Proposal to reduce group health insurance costs. If your census qualifies, we’ll submit it to carriers offering level-funded plans. You could receive 8–15% lower rates and even a refund for unused claims after a healthy coverage year.
Lastly, we work with leading carriers like United Health Care, Aetna, and Allstate to deliver strong, nationwide PPO plans. These plans offer flexible options and competitive pricing, helping your company design a level-funded solution that’s both effective and affordable.
Get customized health coverage designed for small teams or large groups, tailored to your needs and budget.
Hundreds of individuals, families, and business owners trust Seto Health Group to guide their insurance decisions.
Steve is licensed in Florida, Connecticut, Georgia, Illinois, Michigan, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, Indiana, Kentucky, Virginia, and Maine.
Steve is very helpful and knowledgeable about the Aetna Medicare plan that my husband and I carry. He did an excellent review of what our current plan offers so that we were relieved that we have the best health care coverage we need. I would recommend his services to anyone who needs help.
Joyce Golesky