Hospital, Health & Human Services

To provide comfort, compassion and support during life's final journey.

Spenser T. Vago specializes in Health Insurance Exchange enrollment, Medicare enrollment, employee benefit planning, and financial advising services. Working in the insurance industry over 20 years, and the financial field the past 15, Spenser brings a unique combination of support services to his clients.  Health Insurance is a type of insurance overage that covers the cost of an insured individual's medical and surgical expenses. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider. There are many factors to consider when selecting a health plan. Open enrollment runs from November 1-December 15 each year for the Exchange. And Medicare open enrollment runs from October 15- December 7 each year. As a Horter Inventment Adviser Representative, I will teach you how your financial portfolio should perform.