What we do
Insurance Services in Boise & Across Idaho
Fifteen kinds of coverage. Nine carriers. One independent agency that compares them all side by side — and then lets you decide. That's been the Personal Touch way since 2005.
Insurance comes in a lot of flavors, and most people only need a few of them at any given season of life. The good news: you don't have to figure out which few on your own. Every service below works the same way — we ask about your doctors, your medications, your budget, and your goals, then line up your real options in plain English. No pressure, no obligation, and no bill for our help, ever.
Medicare & Senior
Medicare Help From a Local Boise Agent
Turning 65 — or just tired of guessing? As a Medicare agent serving Boise, Ada County, and all of Idaho, we make the alphabet soup make sense.
Medicare Advantage
All-in-one Part C plans that bundle hospital, medical, and usually drug coverage — often with dental, vision, and hearing extras. Networks matter here, and we check them.
Explore Medicare Advantage →Medicare Supplement
Medigap plans fill the gaps in Original Medicare and let you see any doctor in the country who takes Medicare. Idaho's birthday rule makes switching easier, too.
Explore Medigap Plans →Medicare Part D
Prescription drug plans, checked against your exact medication list — because the "best" drug plan is the one that covers your prescriptions at your pharmacy.
Explore Part D Plans →Dental, Vision & Hearing
Original Medicare skips your teeth, eyes, and ears. Standalone DVH plans put them back in the picture — often for less than you'd guess.
Explore DVH Coverage →Hospital Indemnity
Pays you cash for hospital stays — a smart sidekick for Medicare Advantage plans with daily hospital copays.
Explore Hospital Indemnity →Health Coverage
Health Insurance for Idahoans Under 65
From ACA plans on Your Health Idaho to coverage that travels with you, we'll find the fit for your family and your budget.
ACA / Marketplace Plans
Individual and family health insurance through Your Health Idaho, the state's official exchange — including tax credits that can seriously shrink your premium.
Explore ACA Plans →Short-Term Medical
Bridge coverage for job changes, early retirement, or waiting periods — temporary protection so a bad month doesn't become a bad year.
Explore Short-Term Plans →Travel Insurance
Because Medicare mostly stays home when you don't. Trip and travel medical coverage for snowbirds, cruisers, and grandkid-visiters alike.
Explore Travel Insurance →Life & Financial
Protecting Your People and Your Plans
Life insurance and financial protection aren't about you — they're about everyone who counts on you. Here's the toolbox.
Term Life Insurance
Big protection for the mortgage-and-kids years, at the lowest cost per dollar of coverage.
Term Life →Whole Life Insurance
Permanent coverage with guaranteed premiums and cash value that builds over time.
Whole Life →Indexed Universal Life
Flexible permanent coverage with growth potential linked to a market index — minus the direct market risk.
IUL →Final Expense Insurance
Smaller, simpler policies that spare your family the cost of a funeral — most folks qualify.
Final Expense →Annuities
Turn savings into steady income you can't outlive. Retirement math, made calmer.
Annuities →Long-Term Care
Long-term care insurance in Idaho protects your nest egg from the cost of extended care — at home or in a facility.
Long-Term Care →Disability Insurance
Your paycheck is your biggest asset. Disability coverage keeps it coming if illness or injury sidelines you.
Disability Insurance →How we work
How Do We Compare Your Options?
Every recommendation starts the same way: CarrieAnne breaks your options down into six comparison areas — the things that actually decide whether a plan works for you, like your monthly premium, your doctors and hospitals, your prescriptions, your out-of-pocket exposure, the extra benefits, and the carrier behind it all. We line up plans from nine carriers across those six areas, and the right answer usually becomes obvious. Once we narrow down the option that fits you best, you get a full presentation of your chosen plan before you sign anything.
- Free comparisons — carriers pay us the same either way, so our advice stays neutral
- Local knowledge — we know how St. Luke's, St. Alphonsus, and Treasure Valley Medical fit each network
- Year-round support — we're still here after you enroll, not just during sign-up season
- No pressure, no obligation — ever. That's a promise, not a slogan
Where do you start?
Which Coverage Fits Your Season of Life?
| Your situation | Start the conversation with | Often worth adding |
|---|---|---|
| Turning 65 or new to Medicare | Medicare Advantage or Medicare Supplement + Part D | Dental, Vision & Hearing |
| Self-employed or between jobs, under 65 | ACA plan via Your Health Idaho | Short-Term Medical, Disability |
| Young family, mortgage, big responsibilities | Term Life Insurance | Whole Life, IUL |
| Nearing or in retirement | Annuities, Long-Term Care | Final Expense, Travel Insurance |
| On Medicare Advantage with hospital copays | Hospital Indemnity | DVH coverage |
Not sure where you land? That's literally what the phone is for: 208-350-9933.
Who we compare
Nine Carriers, Zero Favorites
Being independent means we can shop the companies Idahoans actually use — and we're not obligated to steer you toward any of them.
- Blue Cross of Idaho
- Regence Blue Shield of Idaho
- SelectHealth
- PacificSource
- Molina
- Aetna
- Mutual of Omaha
- Physicians Mutual
- Manhattan Life
We serve every county in Idaho by phone and email, with in-person visits available in Boise County. Curious how that works near you? See our locations page, browse answers to common questions on our FAQ, or read practical guides on the blog. And if you'd rather just talk to a human, Patricia answers the phone Monday through Friday.
Fifteen Services. One Phone Call.
Tell us what's going on — turning 65, changing jobs, planning ahead — and we'll tell you which comparisons are worth making. Free, friendly, and never pushy.