Joseph Krivelow, FounderBut in these moments of uncertainty, Compass Health Consultants® offers a steady hand, guiding clients with care, expertise, and a commitment to clarity.
“People come to us when they feel overwhelmed,” says Joseph Krivelow, founder, who has been in this industry for more than 22 years. “Our job is to meet them where they are and guide them toward choices that give them confidence again.”
Compass Health Consultants® wasn’t founded to be just another insurance broker. It was built with one mission: to simplify the complexities of health insurance for individuals, families, and businesses. The company’s approach is deeply personal, offering tailored guidance for each client.
At Compass, no two clients are alike. “We understand that every family has different needs. Some individuals require frequent doctor visits, others need prescriptions, and some may require specialized care. Our job is to find the perfect plan for each client, one that fits not only their medical needs but also their budget,” explains Krivelow.
What sets Compass apart is its commitment to finding what’s best for the client, no matter the situation. If an existing plan is still the best option, Compass will recommend keeping it, even if that means the company doesn’t make a sale. This unwavering commitment to doing what’s right for the client is a cornerstone of the company’s philosophy.
Mari Krivelow, Marketing ManagerWhen asked about the most significant challenges clients face, Krivelow quickly highlights two major concerns: affordability and access to care.
“Health insurance is no good if you can’t afford it,” he says. “We make sure our clients are able to afford their plans and that they get the care they need when they need it.”
The insurance landscape is constantly evolving, and clients often feel overwhelmed by rising premiums, changing benefits, and the complexity of navigating networks. Compass Health Consultants® works tirelessly to ensure their clients understand what is covered, what isn’t, and how to access the best care at the most affordable rate.
Take, for example, one case where a client, recently diagnosed with cancer, contacted Compass Health after struggling to understand their current plan. They feared they would be buried in out-of-pocket costs. Compass Health reviewed their plan and helped design a custom option that minimized out-of-pocket expenses and provided better coverage for the client’s treatments. After the meeting, the client said they felt a huge weight had been lifted off their shoulders, allowing them to focus on recovery instead of insurance confusion.
A Culture of Care and Collaboration
Behind the scenes, Compass Health Consultants® thrives on a unique, family-driven culture that emphasizes mentorship, collaboration, and continuous support for both employees and clients. The leadership team doesn’t just manage from afar; they are deeply involved in every aspect of the business. The CHC team prioritizes direct communication with all brokers and employees, creating a cohesive team that works together with shared goals.
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People come to us when they feel overwhelmed. Our job is to meet them where they are and guide them toward choices that give them confidence again.
This culture of inclusion and support doesn’t just benefit employees; it directly impacts the customer experience. Compass Health consultants® take the time to get to know their clients personally, listening to their concerns, explaining every detail, and ensuring they fully understand their options.
A standout feature of the company is its investment in continuous training for its agents. Mari Krivelow, Marketing Manager, explains that “we have trainings daily that keep our agents informed with current information, trends, and updates. This helps them stay up to date in an ever-changing industry, as well as keep their clients informed.” Unlike many agencies that push for quick sales, Compass ensures that every representative is equipped with the knowledge and tools to provide accurate, thoughtful, and empathetic guidance. This results in a higher level of expertise and trust, ensuring that clients feel confident with the advice they receive.
Going Above and Beyond
The Compass Health team takes pride in going beyond the basic expectations of an insurance broker. For instance, when clients asked about new treatments like GLP-1s (for diabetes and weight loss), Compass Health didn’t just recommend off-the-shelf options. They worked closely with carriers to create plans that specifically included these medications, providing more affordable access to emerging treatments that their clients were asking for.
Additionally, Compass Health’s proactive approach to industry trends sets them apart. “We stay ahead of the curve,” says Krivelow. “We’re often 9 to 18 months ahead in recognizing shifts in the market, so when something changes, we’re already prepared to guide our clients through it.” This foresight enables them to keep clients well-informed and ahead of the curve, thereby avoiding surprises when policies change.
One memorable case involves a family that came to Compass Health after their insurance plan didn’t cover a critical procedure. Compass not only helped the family understand what happened but also worked with the insurance provider to find a solution, ultimately designing a new plan that fully covered the procedure. The family was not only relieved but grateful for the genuine effort Compass Health put into ensuring they received the care they needed without financial strain.
The Ripple Effect of Trust and Dedication
What truly drives Compass is the trust they’ve built over time. Many clients return year after year, and referrals from satisfied customers consistently generate new business. The company’s high persistence rate speaks volumes about the level of satisfaction and trust the company has cultivated.
“Every conversation matters,” says Krivelow. “It’s not just about making a sale; it’s about creating a relationship based on trust, understanding, and consistency. Our clients feel heard, supported, and valued every step of the way.”
Compass continues to evolve with the ever-changing healthcare landscape, but one thing remains constant: its unwavering commitment to providing clarity, empathy, and education. As healthcare becomes increasingly complex, Compass Health is prepared to be the trusted guide families turn to for answers.
Through ongoing training, a commitment to personalized service, and a culture that prioritizes people, Compass Health Consultants® is redefining what it means to be a trusted partner in healthcare.
As Compass Health expands, it remains focused on its founding values: trust, education, and personalized care. “We believe that everyone deserves to understand their healthcare and feel confident about their choices,” says Krivelow. “Our goal is to keep growing without losing the personal touch that makes Compass Health so special.”
