Loxley Health | Josh Heath

National Insurance Advisor

Proudly Serving 33 States
Top Producing Leader
5+ Years Experience
1000+ Happy Clients

30 Day Satisfaction Guarantee

98% Client Referral Rate

In the labyrinth of health insurance options, where one-size-fits-all plans often prevail, emerges a beacon of tailored solutions and dedicated advocacy – Loxley Health, led by the master agent, Joshua Heath. With a resolute commitment to redefining the health insurance landscape, Joshua Heath has become a nationwide health insurance advisor par excellence, specializing in private market plans designed for individuals, families, and small businesses across 33 states.

Loxley Health, under the guidance of Joshua Heath, transcends the ordinary, transforming the health insurance landscape into a realm of tailored solutions, genuine connections, and personalized care. With a background that encompasses global travels, military service, and personal growth, Joshua brings a unique blend of experiences that uniquely positions him to understand and address the diverse needs of his clients.

10% of all proceeds benefit local community efforts
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What Some Clients Say...

"He made sure I understood everything and answered any questions I had. He was great to work with. If anyone out there has questions about getting started or switching insurance plans Josh is the guy to reach out to!"

~ Cassie M

"Josh is the man! He is defintely the guy you want in your corner! I was nervous and skeptical about starting a new insurance journey with a different provider that I previously had and he walked me through the process step by step."

~ Christian R

"You were outstanding with helping me solve my insurance needs in a short bind. Thank you for your professionalism and a quick-on-your-feet approach. If anyone has any insurance needs, not enough good things to say about Josh!"

~ Peter M

Frequently Asked Questions

Health insurance plans typically include HMOs (Health Maintenance Organizations), PPOs (Preferred Provider Organizations), EPOs (Exclusive Provider Organizations), and POS (Point of Service) plans. Each has its own network of providers and coverage options, so it's important to assess individual needs and preferences.

Consider factors like premium costs, deductibles, co-pays, network coverage, prescription drug coverage, and specific health needs. Evaluating these elements alongside individual circumstances and budget can help identify the most suitable plan.

The out-of-pocket maximum is the highest amount you'll pay for covered services within a policy year. Once you reach this limit through deductibles, co-pays, and coinsurance, the insurance company covers 100% of the costs for covered services.

It depends on the specific plan and provider network. Some plans allow you to keep your current doctor if they are in-network, while others may require you to switch providers. It's crucial to review the plan's network to ensure your preferred doctors are included.

Missing the open enrollment period generally means you'll have to wait until the next enrollment period to obtain health insurance. However, certain life events, such as marriage, having a baby, or losing job-based coverage, may qualify you for a special enrollment period, allowing you to enroll outside the regular enrollment window.