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    <loc>https://www.insurancehappiness.com/blog/2020/4/24/accurate-information-leads-to-the-best-preparation-and-real-happiness</loc>
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      <image:title>Employers - Make it stand out</image:title>
      <image:caption>The Plan pays for unlimited office visit charges in the First Health Providers network with a $0 copay. *Employee Only</image:caption>
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      <image:title>Employers - Make it stand out</image:title>
      <image:caption>Attending Company Physician and Direct Primary Care (Employee plus Family) Unlimited access to a Concierge’s advocate approach to health care. It’s like having a doctor in your family you can contact for any reason at anytime</image:caption>
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      <image:title>Employers - Make it stand out</image:title>
      <image:caption>$0 Copay Prescriptions No copays or cost for all formulary drugs. (Employee plus Family) .Covers nearly 200 generic and brand name prescriptions</image:caption>
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      <image:title>Employers - Workers Compensation Management Cost Containment Program</image:title>
      <image:caption>Workers Compensation Management Cost Containment Program Management and mitigation of work-related injuries to protect the employer from further liability and lawsuits. Early management of injuries creates cost savings lowering the final cost of the injury or work-related illness.</image:caption>
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      <image:title>Employers - Make it stand out</image:title>
      <image:caption>Unlimited Telemedicine and Mental Health Unlimited Virtual Direct Primary care services at a no cost 24/7/365. $0 Copay (Employee plus Family)</image:caption>
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      <image:title>Employers - Personal Health Manager</image:title>
      <image:caption>Proactive Medical Care to help identify potential health risks. Access to private consultations with personal health assistants. The Health Wallet Keeps track of all your other insurance cards in one place including provider, Dr. and network look up. Access to the best provider prices and network</image:caption>
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    <loc>https://www.insurancehappiness.com/who-are-we</loc>
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    <lastmod>2023-09-05</lastmod>
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      <image:title>Who are we? - Cindi Miller - CEO</image:title>
      <image:caption>Cindi@insurancehappiness.com 818-639-1219</image:caption>
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    <loc>https://www.insurancehappiness.com/no-tax-money</loc>
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    <lastmod>2018-05-01</lastmod>
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      <image:title>No Tax Money - Tax Free wealth</image:title>
      <image:caption>Eliminate taxes in retirement and watch your money last longer</image:caption>
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    <loc>https://www.insurancehappiness.com/brokers</loc>
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    <lastmod>2019-02-19</lastmod>
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      <image:title>Brokers - Easy to use mobile app</image:title>
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      <image:title>Brokers - Intuitive Enrollments</image:title>
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      <image:title>Brokers - Touchless Admin</image:title>
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      <image:title>Brokers - Testimonial</image:title>
      <image:caption>I own a company with over 400 employees. I have always offered employees the chance to participate on our group policy but it’s very expensive and so most of them decline coverage. I pay a higher rate due to the lack of participation. Now I am required to make sure they all have health insurance and frankly paying the penalties seemed like the least expensive option before I discovered Insurance Happiness and the CHAMP program. These guys are sharp professional consultants who have saved money on my medical premiums and have saved my employees on their “out of pocket” medical expenses. Frankly I cant believe how much money I am saving. My employees now have life insurance , health benefits , supplements and 100% coverage for preventative care. I am paying 80% less than I thought I would be paying for my business’s most cost efficient scenario. I highly recommend adding the CHAMP program to your current benefit programs. Mike (CEO)</image:caption>
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    <loc>https://www.insurancehappiness.com/apostolicpastorscc</loc>
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    <lastmod>2020-01-10</lastmod>
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    <lastmod>2020-04-08</lastmod>
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    <lastmod>2023-03-31</lastmod>
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    <lastmod>2020-08-25</lastmod>
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    <loc>https://www.insurancehappiness.com/lifereview</loc>
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    <loc>https://www.insurancehappiness.com/thechampplan</loc>
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    <lastmod>2020-06-22</lastmod>
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    <loc>https://www.insurancehappiness.com/home-alt-bedford</loc>
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    <lastmod>2025-05-06</lastmod>
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      <image:title>Home Alt</image:title>
      <image:caption>A better world Starts with a choice Contact Us</image:caption>
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      <image:title>Home Alt</image:title>
      <image:caption>Sustainability Starts with you Join Us</image:caption>
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      <image:title>Home Alt</image:title>
      <image:caption>A better world Starts with a choice Join Us</image:caption>
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      <image:title>Home Alt</image:title>
      <image:caption>Preserve Nature Join Us</image:caption>
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