Business Details
24 Years
experience
Your Trusted Partner for Health Insurance Solutions in Alpharetta
Kast Insurance was founded on the principle that health insurance should be both accessible and comprehensible. With over two decades of combined experience in the insurance industry, Margot and Thom Kast have built a reputation for providing personalized guidance tailored to each client's unique needs. Our expertise spans individual and family health plans, Medicare solutions, and Medi-Share alternatives, with a focus on ACA compliance and subsidy optimization. We operate locally in Alpharetta, Naples, and St. Augustine, leveraging our deep understanding of regional healthcare markets and provider networks.Our team maintains appointments with major insurers like Humana, United Healthcare, and Cigna, ensuring comprehensive coverage options for clients. We prioritize ongoing education about evolving healthcare laws and maintain 24/7 availability to address client concerns. As small business owners ourselves, we recognize the challenges families face in securing reliable coverage and strive to simplify this process through transparent communication and community-focused service.
Services
Health Insurance
Medicare Plans
Medi-Share
ACA Compliance Guidance
Tax Subsidy Assistance
Details
- Year established: 2002
Highlights and features
- We offer 20+ years of health insurance expertise with major providers
- Our team provides ACA compliance and subsidy optimization guidance
- We maintain local market knowledge in three Florida/Georgia locations
- Our service includes personalized Medicare enrollment assistance
- We operate with full transparency and no hidden fees
What people say
Extremely knowledgeable
No hidden fees
Highly recommend
Major medical incidents
Always available
Services
Health Insurance
We provide ACA-compliant health insurance plans for individuals and families with pre-existing conditions. Our experts help clients navigate open enrollment periods and special enrollment qualifications while optimizing tax subsidies to reduce costs. Our service includes comprehensive comparisons between marketplace and non-marketplace plans to ensure appropriate coverage.
Medicare Plans
Our Medicare enrollment assistance includes detailed explanations of Traditional Medicare versus Medicare Advantage options. We guide clients through enrollment timelines, cost structures, and supplemental coverage choices while providing ongoing support for plan adjustments and prescription coverage optimization.
Medi-Share
We offer Christian healthcare sharing ministry solutions with flexible Annual Household Portions. Our guidance includes explaining eligibility requirements, provider network access through PHCS, and comparing cost savings against traditional insurance while ensuring alignment with biblical principles of community support.
People
Margot Kast
Co-Owner
Former Prudential underwriter with 20+ years health insurance experience. ACA and Medicare expert specializing in subsidy optimization and complex coverage solutions for families and retirees.
Thom Kast
Co-Owner
Co-founder with extensive property/casualty and health insurance expertise. Focuses on financial aspects of healthcare coverage and maintaining key industry partnerships with major insurance providers.
Questions
What health insurance options exist for pre-existing conditions?
We specialize in ACA-compliant plans covering pre-existing conditions, including marketplace options with subsidies and non-marketplace alternatives offering broader provider networks.
How do I enroll in Medicare properly?
We provide step-by-step Medicare enrollment guidance, explaining Traditional Medicare vs Advantage plans, Part D prescription coverage, and optimal enrollment timelines.
What is Medi-Share and how does it work?
Medi-Share is a Christian healthcare sharing ministry where members share eligible medical costs. We explain annual household portions, PHCS provider networks, and cost-saving benefits.
Can you help with ACA subsidy optimization?
Yes, we analyze income qualifications and help maintain subsidies while navigating annual enrollment periods and life change-related coverage adjustments.
Do you offer local office consultations?
We have physical offices in Alpharetta GA, Naples FL, and St Augustine FL for in-person consultations with local healthcare market expertise.
Reviews (6)
Lisa Gaus
Apr 24, 2022
Report
Margot is absolutely the best! Could not have found a more helpful, knowledgeable agent who is the ultimate professional and handled all my calls personally. Very knowledgeable and patient working through the process with me and my family. Excellent choice for your health insurance!
Laura Bensman
Dec 21, 2021
Report
When I moved to Florida 5 years ago, Margot was my first call to set up my new insurance. From then on she kept me up to date and connected, helping me navigate the best options. Thank you!
Corey Mendoza
Nov 13, 2021
Report
My girlfriend and I are moving to Naples next month and both of us have very complicated health challenges in which require quality health insurance. I did a Google search and found Margot right away. I decided to call the number on a saturday not knowing if someone would answer. Not only did she answer, but she was driving at the time and still gave us about 30 minutes of her time consulting us.
After that initial call we set a meeting for the following Saturday and she literally just spent 3 hours on screen share combing through every best possible plan for both of us. This has been such a burden on my mind about moving and getting health insurance and she made it so informative, easy and was so attentive to the details and our needs! We are now both signed up and ready for Jan 1, 2022 without any worries! Margot was absolutely amazing.
She answered every question and concern we had. She spent so much time with us I feel like it was a family member helping! Great job Margot. Please tell your Tom we're sorry for taking up so much of your Saturday! ha Corey & Jenny Moving from Chicago to Naples!
After that initial call we set a meeting for the following Saturday and she literally just spent 3 hours on screen share combing through every best possible plan for both of us. This has been such a burden on my mind about moving and getting health insurance and she made it so informative, easy and was so attentive to the details and our needs! We are now both signed up and ready for Jan 1, 2022 without any worries! Margot was absolutely amazing.
She answered every question and concern we had. She spent so much time with us I feel like it was a family member helping! Great job Margot. Please tell your Tom we're sorry for taking up so much of your Saturday! ha Corey & Jenny Moving from Chicago to Naples!
Keith Cyr
Nov 10, 2021
Report
Margo has helped me so much with my health insurance. I used to go without health insurance strictly to avoid the confusion that comes with applications, in network doctors, coverage etc. Her knowledge and expertise made it all easy and comfortable. She found the most affordable rates for the coverage I wanted and also offered ways to save money and how to avoid penalties come tax time. Her virtual platform allowed me to be go through the short process right from home. This is my 3rd year with her handling my insurance needs and it continues to be such a smooth process.
Edlira Thodhori
Oct 11, 2021
Report
Margot is such a wonderful person. She is knowledgeable of every plan she has to offer. I strongly recommend her to anyone that is trying to buy a health insurance plan.
Keith Ring
Jun 07, 2021
Report
My experience with dealing with Kast Health Insurance has been one of total satisfaction. The staff particularly my personal agent Margo is totally knowledgeable and very patient dealing with what is a complicated and vitally important issue. They were instrumental in helping me avoid the many pitfalls in applying for health insurance. I unreservedly recommend this company.
