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At Cullen & Associates we are dedicated to providing our clients with the highest quality health products for the best obtainable value. We accomplish this by working with major health providers and providing unmatched customer service.


Our agents strive to exceed your expectations in reviewing your every need, answering your healthcare related questions, and finding a plan that best meets your needs. We understand that people and employers have different needs when it comes to their healthcare. Our agents will provide you with innovative and quality options so you can choose the protection that is right for you or your business.

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Individual Solutions

No matter what stage of life you're in or if you are looking for individual or family coverage, Cullen & Associates has a health plan to meet your needs. We offer coverage plans for every budget. Our agents can tailor a plan that covers from the very basic in hospital and physician service, to more comprehensive plans that cover routine exams, maternity service, prescriptions, and chiropractic coverage. With access to products from all major insurance carriers, our customers can carry the piece of mind that they are receiving the best possible solutions to meet their individual needs. Some of our individual plan types include:

  • PPO (Preferred Provider Organization)

  • HMO (Health Maintenance Organization)

  • FFS (Fee-for-Service)

  • HSA (Health Savings Accounts)


It is important to weigh cost and benefit options when choosing the health plan that is right for you. Our knowledgeable agents can make choosing a plan simple for you.


Group Solutions

Cullen & Associates knows that providing your employees with high quality health care is a priority for you. We are proud to offer a variety of Group Health plans that are not only affordable, but also meet your employees needs. You will work one on one with a health insurance expert to determine which combination of price, coverage, and service is right for you. We can guide you through ways to customize your benefits and explain the financial impact that changes will have on your plan. We will also make ourselves available in meeting with your employees to make sure they have a clear understanding of the benefits that are available to them. Our group coverage products include:

  • Health Plans

  • HSA (Health Savings Accounts)

  • HRA (Health Reimbursement Accounts)

  • Partial Self-Funding Plans

  • Self-Funding Plans

  • Limited Medical

  • Group Dental

  • Vision Coverage

  • Life Insurance & Accidental Death and Dismemberment

  • Short and Long Term Disability 

  • Long Term Care 

  • Group Wellness Options

Medicare Supplemental Insurance

At Cullen & Associates we are committed to covering all of your health insurance needs no matter what stage of life you are in. That's why we offer a wide array of Medicare Supplement plans to fill in the gaps where Medicare leaves off. Medicare Supplement plans provide for additional medical coverage not covered by Medicare Part A and Part B. A Medicare Supplement can help you pay for co-pays, deductibles, and co-insurance which could otherwise lead to large out-of-pocket expenses. You will work together with one of our agents to review a variety of companies and plans to match one that is right for you.

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