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ABOUT US

Herring Consulting & Financial Group, Inc. (HCFG) provides affordable health and life insurance solutions to individuals, families, Medicare eligible, small businesses and the self employed.  We proudly serve Paw Creek, NC, and the surrounding community.  Our team of professionals take pride in providing a high level of expertise and personal service to all of our clients.  Herring Consulting & Financial Group, Inc. earns your business by offering a level of service that is truly second to none.
In addition to our traditional approach to insurance planning, HCFG Inc. specializes in innovative estate, business and retirement planning solutions for high net worth professionals and businesses. Our Team combines extensive industry expertise and alternative thinking in offering "leveraging solutions" that allows our clients to multiply annual contributions by 3X more than you would have contributed without leveraging!! This means our clients will have MORE insurance, GREATER cash value potential with an INCREASED tax-free income!! We represent only the top insurance carriers to insure we can acquire the highest quality coverage for our clients, at the best overall rates.  Our services are invaluable to the consumer or business owner that needs to make the well-informed decision.
Product Details

Individual & Family Insurance Coverage (Under age 65)

We offer multiple health coverage options for you and your family. Our licensed professionals can explain all the various plan options that are available to you.

Get an instant quote or more information by using links below.  Or call now.   888-918-9714

Medicare Insurance (Over age 65)

Medicare Supplement Plans are accepted by over 95% of all doctors/providers in America. Referrals are not required.  Many people love the freedom of choice for your medical provider, predictability of costs, and very low rate increase history with most carriers.

Medicare Advantage Plans are Guaranteed Issue, have No Pre-existing Limitations and usually offer co-pays for Doctor, Hospital and RX costs.  Premiums are often $0 per month.

Get an instant quote or more information by using links below.  Or call now.   888-918-9714

Life Insurance

Life insurance is about taking care of your loved ones.  It protects your family and lets you leave them a defined, non-taxable cash amount at the time of death.  It can also replace your income, so your family can maintain their quality of life.

Get an instant quote or more information by using links below.  Or call now.   888-918-9714

Dental / Vision Plans

Dental Coverage include coverage for preventive care, like routine exams, cleanings, and X-rays.  Many plans also include coverage for additional services like fillings, extractions, root canals and crowns.

Vision Plans typically cover the cost of an annual eye exam and prescription eyeglasses and/or contact lenses.

Get an instant quote or more information by using links below.  Or call now.   888-918-9714

Supplemental Insurance

Critical Illness and Cancer Plans help cover your out of pocket costs for heart attack, cancer, stroke and additional diseases.  Many expenses incurred due to a critical illness are not covered by traditional health insurance plans, such as deductibles, co-pays, experimental treatments, travel, and more.

Get an instant quote or more information by using links below.  Or call now.   888-918-9714

Premium Financing For High Incomers

Get an instant quote or more information by using links below.  Or call now.   888-918-9714

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How To Find Us

 

Frequently Asked Questions

Do you provide health plan options in North Carolina and/or South Carolina?
Yes, we offer health plan options in both states, North and South Carolina.
Do you offer Medicare health options in North Carolina and South Carolina?
Yes, we offer Medicare health options, such as Medicare Advantage, Medicare Supplements and Prescription Drug Plans to all residents of North Carolina and South Carolina.
Do you offer Premium Finance options for high incomers in the Charlotte, NC and surrounding areas to leverage life insurance for retirement planning?
Yes, we offer Premium Finance strategies to maximize retirement savings, increasing retirement income and providing living benefits for critical, chronic and terminal illnesses.
Do you offer health insurance for self employed or 1099 income employees in Charlotte, NC area or North Carolina?
Yes, we offer health insurance for self employed or 1099 income employees in North Carolina or Charlotte and surrounding areas.

Additional Information

How much does ACA insurance cost in Paw Creek, NC?
So, how much will an Affordable Care Act (Obamacare) health insurance policy cost?  The monthly premium of an Affordable Care Act plan, for an individual or family, depends on several factors.  Some of these factors include:
  • 1.  Where in the U.S. you reside.
  • 2.  The ages of you and your family members who apply.
  • 3.  The ACA plan you choose.
  • 4.  Your income.
  • 5.  If you qualify to receive a subsidy.
If you are a U.S. citizen, you likely qualify for health plan coverage through the Affordable Care Act.   For more information, give us a call.
 
How can I get health insurance or Medicare insurance coverage in Paw Creek, NC?
We can assist you in finding an individual or family health insurance plan, as well as a Medicare Supplement or Medicare Advantage plan.  Please contact us now.  We serve the Paw Creek, Gastonia, NC and Rock Hill, SC regions.
 
How can I find the best health insurance plan for me and my family?
It doesn't have to be difficult to choose good health insurance coverage.  All you need to know is, what information is vital to the decision-making process.  You should start by looking at your family's present medical situation.  Know everything there is to know about your family's medical history.  Consider how frequently you or your family members visit physicians.  Know which prescription medications you or family members are taking and how much they cost.  Also, know whether there is a particular doctor to whom you or a family member must have access to.

Secondly, pay close attention to the deductibles, coinsurance, and maximum out-of-pocket benefits of every plan you are considering.  Such benefits can vary greatly.  These benefits are important because they determine how much you could be on the hook for in medical costs, should the unexpected occur.
Lastly, you will want to consider the health plan monthly premium.  How much you can afford?  With thoughtful consideration of the above items, you can be assured of making a smart health insurance plan choice.
 
Where can I get health insurance near me?
Our licensed health insurance agents will be happy to help you find the right plan for your needs.  We service the Paw Creek, Gastonia, NC and Rock Hill, SC regions.
 
Where can I get Medicare supplement insurance assistance near me?
Our office provides expert assistance with Medicare Supplement and Medicare Advantage plans.  We service the Paw Creek, Gastonia, NC and Rock Hill, SC regions.
 
How can I find out if I qualify for an Affordable Care Act (Obamacare) health insurance plan?
If you are a U.S. citizen under 65 years of age, you are very likey to qualify for an Affordable Care Act (Obamacare) health insurance plan.  Any issues of qualification usually have to do with when you apply.  This is why it is important to apply as soon as possible.
 
Can I qualify for an Affordable Care Act (Obamacare) health insurance plan if I have a medical condition?
Your medical status is not a factor when applying for an Affordable Care Act plan.
 
Can you help me find more affordable group health insurance coverage?
Yes.  Thanks to new health insurance regulations and guidelines, you can likely realize significant savings by reviewing your group health insurance coverage now.
Please give us a call:  888-918-9714.
 
Can you help me sign up for a 2022 Obamacare health insurance plan?
We can instantly provide you with rates and benefit details for all of the 2022 Affordable Care Act (Obamacare) Health insurance plans.  We can also help you choose and apply for the ACA plan that best suits your needs and budget.  Please give us a call:  888-918-9714.
 
I just moved here.  Can you help me get 2022 Obamacare health insurance coverage in North Carolina?
We are happy to assist you in applying for Affordable Care Act (Obamacare) health insurance coverage in the state of North Carolina.  We can also help you compare plan rates and benefits in order to find the best health insurance plan for your needs.  Please give us a call:  888-918-9714.
 

Companies We Represent

SureBridge
IHC Group
Aetna
BrightHealth
AARP/UnitedHealthcare
Humana
Bestow
Haven Life
And More!
Today's Insurance Tip:

Interesting Fact:  Paying for health care is the number 1 cause of bankruptcy filing every year in the U.S.  Almost 2 million people need to file bankruptcy because they cannot pay their medical bills each year, and outside of bankruptcy, over 20 percent of the population (about 56 million adults) between the ages of 19 and 64 struggle with health-care related bills each year.

Get In Touch

Herring Consulting & Financial Group, Inc.
7400 Old Mount Holly Road # 942
Paw Creek, NC 28130-9700
888-918-9714

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