Medicare and health insurance, explained by people who actually explain it.
We’re Wade and Victoria Shiu, pharmacists and licensed insurance agents. Based in Rock Hill, we help families across the Carolinas, including Charlotte, find honest, affordable coverage, and it costs you nothing to talk to us.
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Pick the one that sounds like you and we’ll take it from there.
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I’m turning 65 soon and Medicare is confusing.
I’m on Medicare and I think I’m overpaying.
I need coverage and I don’t have it through work.
I just lost my coverage and I need help now.
What we do
Advantage, Supplement and Part D, explained without the jargon.
Learn about Medicare
ACA / Marketplace
Also called Obamacare. Subsidy help and enrollment, done properly.
Learn about ACA / Marketplace
Individual & Family Health
Coverage when you don’t get it through an employer.
Learn about Individual & Family
Life Insurance
Term, whole and universal, matched to your budget.
Learn about Life Insurance
Final Expense
Cover funeral costs and outstanding debts, so your family doesn’t have to.
Learn about Final Expense
Dental & Vision
Affordable add-on coverage for individuals and families.
Learn about Dental & Vision
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Why us
Twenty years behind a pharmacy counter changes how you see insurance.
I spent over 20 years as a pharmacist. In that time I watched people walk up to the counter, find out what a medication cost, and quietly decide to go without it. Not because they were careless. Because their plan didn’t cover it properly and nobody had ever told them there were other options.
I couldn’t fix that from behind the counter. So I learned this side of it instead. Now when someone tells me what they take, I already know what it costs, which tier it sits on, and which plans handle it better.
Wade Shiu — licensed insurance agent and pharmacist
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Expert advice
Licensed agents who listen first and recommend second.
Affordable coverage
We compare the whole market, not one company’s shelf.
Personalised service
Built around your doctors, your medications, your budget.
Ongoing support
We don’t disappear after enrollment. We review it every year.
How it works
Don’t know where to begin? Book a time and we’ll walk you through it.
2
Meet your agent
Personalised guidance and answers based on your actual situation.
3
Compare your options
We check your doctors, your medications and your real total cost.
4
Get covered
We handle the application and stay with you afterwards.
No-cost review
A no-cost review, and here’s exactly what we check.
Are your doctors still in network?
Are all your medications covered, and at what tier?
Is your hospital still contracted?
What’s your real total cost, not just the premium?
Is there a better plan you were never shown?
It costs you nothing. The carriers pay us, not you. And sometimes the honest answer is that you’re already in the right plan.
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Client stories
What it actually looks like when this goes right
Posted on Google
Michelle Haws
Trustindex verifies that the original source of the review is Google.
My dad just turned 85 and I'm his medical POA. He's like most older guys, and just signed up for "the stuff the lady on the phone told me to." So when I heard that Tori might be able to save my dad some money, I asked her to talk with him. She & Wade met with my dad, sat with him and truly listened. They found him a Medicare Part B that was better coverage, better benefits, and saves him money. They actually care about him, he wasn't just a number to them, he truly mattered.
Posted on Google
Veronica Diquez
Trustindex verifies that the original source of the review is Google.
Wade made health insurance make sense for me as a self-employed person. He explained my options clearly, helped me choose coverage that actually fit my needs and budget, and never pressured me. Professional, knowledgeable, and easy to work with. Highly recommend!!!
Posted on Google
GERRETT JOINER
Trustindex verifies that the original source of the review is Google.
Was referred to wade by a friend. Wade was able to get a great insurance policy for my family that was affordable to fit our needs. Very patient, very knowledgeable very friendly!! Thanks wade for being experienced and great at what you do sir!!!
Posted on Google
Richard Flowers
Trustindex verifies that the original source of the review is Google.
I would highly recommend this company. Wade was a huge help with helping me set up health insurance. And giving me information on life insurance. Wade is very knowledgeable and never makes you feel pressured in making immediate decisions.
Thank you, Wade!
Posted on Google
Shemekia Jackson
Trustindex verifies that the original source of the review is Google.
They are the best!
Posted on Google
Jim Fagan
Trustindex verifies that the original source of the review is Google.
Wade and Victoria just saved our family $1,200/month on our health insurance and with SAME insurance company with better coverage than we were purchasing directly. They are extremely professional and really care about helping people to navigate the complex world of insurance.
Posted on Google
Benny Franklin
Trustindex verifies that the original source of the review is Google.
Tori and Wade have incredible knowledge on Medicare Advantage plans and guided me to the best plan for me. Also they are only an email away if you ever have questions throughout the year…..and the nicest people you will ever meet.
Benny Franklin
Posted on Google
Vicki Moore
Trustindex verifies that the original source of the review is Google.
The experience with setting up a new plan with Devoted was so ez. Working with Victoria was so pleasant. She explained the plan perfect. I think I will be very happy with my new Medicare plan.
Verified by Trustindex
Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
Plans, networks and hospital contracts are all state specific, and they change. We live here, our clients are our neighbours, and when this market shifts we usually know before they do.
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See all service areas
Common questions
The things people ask us most
Does it cost anything to work with you?
No. Nothing at all. We’re paid by the insurance carriers, not by you, so your premium is exactly the same whether you find a plan yourself or we find it for you. The difference is that we compare the whole market instead of one company’s shelf.
Is Obamacare the same as the ACA?
Yes, same thing. The Affordable Care Act is the law, Obamacare is the nickname it picked up, and the Marketplace is where you shop for those plans. Three names, one thing.
Do I have to take Medicare at 65 if I’m still working?
Not necessarily. If you or your spouse are actively working and covered by an employer group health plan, you can usually delay Parts A and B without a penalty. Once that coverage ends, you get an eight-month window to enrol. Missing it can mean a permanent late penalty, so it’s worth knowing your dates.
Can I switch plans outside of open enrollment?
Often, yes. A qualifying life event such as losing job-based coverage, getting married, having a baby, or moving to a new county can open a Special Enrollment Period. There are timing rules, so it’s worth checking rather than assuming.
Will I be able to keep my doctor?
That depends on the plan, and it’s the first thing we check. Networks change every year and nobody calls to tell you. We confirm your doctors, your hospital and your medications before recommending anything.
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See all FAQs
Does it cost anything to work with you?
No. Nothing at all. We’re paid by the insurance carriers, not by you, so your premium is exactly the same whether you find a plan yourself or we find it for you. The difference is that we compare the whole market instead of one company’s shelf.
Is Obamacare the same as the ACA?
Yes, same thing. The Affordable Care Act is the law, Obamacare is the nickname it picked up, and the Marketplace is where you shop for those plans. Three names, one thing.
Do I have to take Medicare at 65 if I’m still working?
Not necessarily. If you or your spouse are actively working and covered by an employer group health plan, you can usually delay Parts A and B without a penalty. Once that coverage ends, you get an eight-month window to enrol. Missing it can mean a permanent late penalty, so it’s worth knowing your dates.
Can I switch plans outside of open enrollment?
Often, yes. A qualifying life event such as losing job-based coverage, getting married, having a baby, or moving to a new county can open a Special Enrollment Period. There are timing rules, so it’s worth checking rather than assuming.
Will I be able to keep my doctor?
That depends on the plan, and it’s the first thing we check. Networks change every year and nobody calls to tell you. We confirm your doctors, your hospital and your medications before recommending anything.
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See all FAQs
Why us
