Affordable Healthcare and Wealthcare Solutions for Everyone.
Affordable Healthcare and Wealthcare Solutions for Everyone.Affordable Healthcare and Wealthcare Solutions for Everyone.Affordable Healthcare and Wealthcare Solutions for Everyone.
Personalized health plans and life solutions for individuals, families, and small businesses
Affordable Healthcare and Wealthcare Solutions for Everyone.
Affordable Healthcare and Wealthcare Solutions for Everyone.Affordable Healthcare and Wealthcare Solutions for Everyone.Affordable Healthcare and Wealthcare Solutions for Everyone.
Personalized health plans and life solutions for individuals, families, and small businesses
ACA plans provide comprehensive health insurance that covers essential services like doctor visits, hospital stays, prescription drugs, and preventive care. These plans often include subsidies to make healthcare more affordable, ensuring access to quality coverage for individuals and families.
Dental insurance focuses on maintaining oral health by covering routine cleanings, exams, and procedures like fillings or crowns. With affordable plans tailored to your needs, dental insurance helps prevent costly dental issues before they arise.
Vision insurance ensures access to regular eye exams, glasses, and contact lenses. It’s an affordable way to prioritize eye health and keep your vision sharp with low out-of-pocket costs.
Accident insurance helps cover unexpected costs resulting from injuries, such as hospital visits, physical therapy, or recovery expenses. It’s an affordable safety net to protect your finances in the event of an accident.
Critical illness insurance provides financial protection if you’re diagnosed with a severe condition like cancer, heart attack, or stroke. Receive a lump-sum payment to cover medical expenses, lost income, or other needs during recovery.
Short-term health insurance offers temporary, budget-friendly coverage for unexpected medical needs. It’s a flexible solution for those in transition, such as job changes or waiting for ACA enrollment, providing protection for up to 12 months.
Our team of expert advisors specializes in personalized healthcare solutions, including:
Individual Health Insurance: ACA and Short-Term Medical (STM) plans tailored to your needs.
Supplemental Benefits: Coverage options for dental, vision, accidents, and GAP protection.
Wealth Strategies: Utilizing Life Insurance as a Financial Tool (LIFT) to help you build and protect wealth.
For small business owners, our team offers innovative solutions that address both employer and employee needs, ensuring comprehensive benefits while keeping costs manageable.
At Aboa Health, we are proud to be a family-owned and operated organization driven by a commitment to honesty, integrity, and transparency in all that we do. We believe that building long-lasting relationships with our clients is the cornerstone of our success, and we earn that trust through genuine care and mutual respect.
We are also honored to have deep connections within the Native American community, which inspires our mission to deliver tailored healthcare and financial solutions that respect cultural values and create positive impacts. While this focus is a meaningful part of who we are, we remain dedicated to serving individuals, families, and businesses from all backgrounds with the same level of care, expertise, and dedication.
At Aboa Health, you’re not just a client—you’re part of our family.
Mike Grimes has spent his professional career developing skills as a consultative end-to-end solution specialist. He leverages these skills to deliver a full spectrum perspective to delivering quality-of-life enhancements for his clients. He believes fostering, developing, and enhancing a winning culture and productive teams begins with
Mike Grimes has spent his professional career developing skills as a consultative end-to-end solution specialist. He leverages these skills to deliver a full spectrum perspective to delivering quality-of-life enhancements for his clients. He believes fostering, developing, and enhancing a winning culture and productive teams begins with a commitment to PEOPLE. He showcases his understanding of this principle through his focus on the empowerment of people to live more fruitfully. This spirit allows MGI to passionately and aggressively engage and win in a competitive market. “I embrace collaborative teams and employ honest communication and shared creativity in efforts to fail forward. I have always welcomed different perspectives and foster a winning culture by building on a platform of integrity and a spirit of innovation. My engagement style is to seek out, as well as provide mentoring, training, and opportunities for all to fulfill their ambitions and potential.”
Mike’s professional career began as a Special Educator & Learning Styles Specialist, spending six years as a professional educator and coach. When Mike and his spouse chose to begin a family of their own he joined her in the Real Estate Finance industry. “I was blessed to mentor into an industry that rewarded hard work and commitment to excellence. I worked as a Loan Officer, Mortgage Broker, Mortgage Banker, and Correspondent Lender, operating our mortgage brokerage for 14 years in that industry. We were blessed to raise three children under our desks every day, reminding us of exactly why we work so hard.” Throughout Mike’s career, he has developed the ability to bridge gaps and solve problems pragmatically. He knows firsthand how critical this is to thriving organizations, their clients, investors, and affiliates. Mike is skilled in strategic/tactical program development and delivery, with years experiences as a consultative problem solver. “I believe my foundation, coupled with my Sales and Business Development experiences uniquely positions me to be a good fit for forging healthy professional relationships.”
Characteristics that Mike personifies are integrity, empathy, and tenacity with the heart of a teacher. “I invest in people and maintain a philosophy that by growing myself and growing those around me I can positively affect the organizational family to which I belong. I am looking to associate with people committed to the same.”
Growing up in Central Texas, I learned early on that life is a mix of discipline, resilience, and adaptability. From my time as a high school athlete here in Round Rock, to setting the home-run record at UT San Antonio, and even getting drafted by the New York Mets, I’ve been fortunate to experience life through the lens of sports—a jou
Growing up in Central Texas, I learned early on that life is a mix of discipline, resilience, and adaptability. From my time as a high school athlete here in Round Rock, to setting the home-run record at UT San Antonio, and even getting drafted by the New York Mets, I’ve been fortunate to experience life through the lens of sports—a journey that taught me to face challenges head-on, build a strong foundation, and constantly adapt. However, life’s most important lessons came off the field.
After my baseball career, I pivoted to the corporate world, spending over seven years at Dell Technologies in sales, business development, and helping clients navigate complex decisions. In 2021, my path took a sudden turn when I was diagnosed with kidney cancer. Losing a kidney gave me a crash course in our healthcare system, its gaps, and the overwhelming decisions that come with facing a serious health issue. That experience shifted my perspective, revealing just how crucial it is to have support and clear guidance when it matters most.
Today, I’m channeling those lessons into a new mission: helping people find health and life insurance options that meet their unique needs. I understand how confusing and even intimidating these choices can be, and I’m here to make that process simpler, more accessible, and tailored to everyone. Whether its ensuring families have the protection they need, helping the self-employed find affordable options, or guiding young adults just starting out, my goal is to be a trusted resource and advocate for anyone navigating their health and life insurance options.
With my background, I offer more than just policies—I provide a personal understanding of the stakes and a commitment to helping you make informed, confident choices about your health and future.
At Aboa Health, we are deeply committed to supporting the health and financial well-being of Native American and Alaska Native (AIAN) communities. Our mission is to educate, empower, and enroll AIAN citizens in tailored healthcare and wealthcare solutions that promote a higher quality of life and long-term financial stability.
Did you know?
As an AIAN citizen, you have access to unique healthcare benefits under the Affordable Care Act (ACA). These benefits are designed to provide critical support and improve access to care, helping you and your family thrive.
Key Benefits for AIAN Citizens Through the ACA:
Special Enrollment Periods: AIAN citizens can enroll in ACA plans throughout the year, without needing to wait for the standard open enrollment period.
Cost-Sharing Reductions: Tribal members enrolled in ACA plans can qualify for reduced or no out-of-pocket costs for covered healthcare services, including doctor visits, prescriptions, and hospital stays.
Comprehensive Coverage: ACA plans ensure access to essential health benefits like preventative care, mental health services, and chronic disease management.
By understanding these unique advantages, you can unlock better health outcomes for yourself and your family.
What We Offer:
At Aboa Health, we provide:
Tailored Guidance: Helping you navigate the specific benefits available to AIAN citizens.
Enrollment Assistance: Ensuring you take full advantage of cost-sharing reductions and other ACA perks.
Comprehensive Support: From supplemental benefits to wealth strategies, we provide the tools to secure your health and financial future.
Let us help you access the benefits you deserve while building a foundation for long-term well-being and prosperity.
Learn more about how Aboa Health is working to educate and empower AIAN communities.
Term life insurance provides coverage for a specified period, such as 10, 20, or 30 years. If you pass away during the term, your beneficiaries will receive a death benefit. It typically has lower premiums than permanent policies but does not accumulate cash value. This type of policy is ideal for temporary financial needs, such as replacing income, paying off debt, or covering educational expenses.
Permanent Life Insurance
Permanent life insurance offers lifetime coverage as long as premiums are paid. It includes a cash value component that grows over time, which you can borrow against or withdraw. While it comes with higher premiums, it provides long-term financial security, making it suitable for estate planning or leaving an inheritance. This option is a good choice if you need lifelong coverage and want to build cash value over time.
Affodable Care Act (ACA)
What is it?
The Affordable Care Act (ACA) is a law that was passed in 2010 to make healthcare more accessible and affordable for everyone. It requires health insurance plans to meet certain standards and provide essential health services, like preventive care, prescription drugs, and mental health services.
What Does ACA Health Insurance Cover?
ACA health insurance plans must cover 10 essential health benefits, including:
Outpatient care (ambulatory services)
Emergency services
Hospital stays
Maternity and newborn care
Mental health and substance use services
Prescription drugs
Rehabilitative services and devices
Lab services
Preventive and wellness services
Pediatric services (including dental and vision care)
Guaranteed Coverage
ACA health insurance is guaranteed, which means you cannot be denied coverage based on your health, gender, or medical history. However, your premiums may vary depending on factors like your age, where you live, tobacco use, and family size.
Guaranteed Coverage
Even though there is no longer a federal penalty for not having health insurance, you might still need ACA coverage if:
You don’t have insurance through a job or your parents
You have a pre-existing condition (you’ll be able to get covered, and won’t be charged more because of it)
You qualify for financial help (subsidies) to lower the cost of your insurance
You take prescription medications and want comprehensive drug coverage
You live in a state that has its own penalty for not having insurance
Good Oral Health is the Foundation of Overall Well-Being
Taking care of your teeth isn’t just about your smile—it’s about your health. See how dental insurance can support your overall healthcare needs.
What Does Dental Insurance Cover?
Dental insurance usually covers four types of care:
Preventive care – Routine services like cleanings and check-ups.
Diagnostic care – Services like X-rays to check for problems.
Basic care – Fillings and extractions.
Major care – Treatments like crowns, bridges, and root canals.
The details of what a specific plan covers can vary, so it’s important to check the plan’s limits and exclusions, including the annual maximum, which is the highest amount your insurance will pay for dental care each year.
Vision insurance helps you pay for eye care, including routine eye exams, glasses, and contact lenses. It’s designed to make eye health more affordable and ensure you get the care you need to maintain clear vision.
What Does Vision Insurance Cover?
Vision insurance typically covers a variety of services related to eye health, including:
Eye exams – Regular exams to check for vision problems and eye diseases.
Eyeglasses – Coverage for lenses, frames, and sometimes contacts.
Contact lenses – Coverage for both the cost of the lenses and any fitting fees.
Eye disease treatment – Some plans may help cover treatments for eye conditions like glaucoma or cataracts.
The specifics of what each plan covers can vary, so it's important to check the details, such as the coverage limits, co-pays, and any exclusions.
Common Services Covered:
Routine eye exams
Eyeglasses (lenses and frames)
Contact lenses
Some treatment for eye conditions (like glaucoma or cataracts)
What Vision Insurance Typically Does Not Cover:
Cosmetic treatments (such as non-medical eye surgeries like LASIK)
Eye care for pre-existing conditions (depending on the plan)
Non-prescription lenses or glasses
Certain eye conditions that aren't related to common vision issues
Life can be unpredictable, but your financial stability doesn’t have to be. Accident insurance provides cash benefits that help you stay ahead of unexpected costs from injuries. Use these benefits to pay for:
Mortgage or rent payments
Medical premiums, deductibles, or out-of-pocket expenses
Everyday costs that continue, even when you’re recovering
Accidents Happen. Are You Prepared?
Millions of ER Visits Every Year: Accidental injuries send millions of Americans to the emergency room annually.
Thousands in Treatment Costs: Out-of-pocket expenses for a single injury, like a broken leg, can easily reach thousands—even without surgery.
High Deductibles and Out-of-Pocket Maximums: Many health insurance plans have deductibles exceeding $7,000 and out-of-pocket maximums that can strain your finances. Supplemental accident insurance can help cover these expenses, giving you peace of mind when you need it most.
With accident insurance, you get financial support when you need it most.
What’s Covered by Accident Insurance?
When life throws you a curveball, we’ve got you covered. Here’s what’s typically included:
Injuries: Sprains, fractures, concussions, burns, torn cartilage, lacerations, and more
Services: Ambulance rides, urgent care, ER visits, hospitalization, and inpatient rehab
Not Covered:
Self-inflicted injuries
Pre-existing conditions
High-risk activities like bungee jumping
Work-related injuries (covered by workers’ comp)
Make sure to review policy details for full coverage information.
Why Choose Accident Insurance?
Accident insurance is designed with you in mind:
Flexibility: Use cash benefits for whatever you need
No Network Restrictions: Choose your doctor or facility
Affordable Premiums: Plans to fit every budget
Enroll Anytime: No open enrollment period
No Waiting Period: Many policies start coverage immediately
A serious illness can disrupt your life and finances. Critical illness insurance provides a lump sum benefit to help cover expenses that major medical insurance doesn’t, such as your mortgage, medical bills, or daily living costs.
What Does Critical Illness Insurance Cover?
Critical illness insurance pays a lump sum if you're diagnosed with a covered condition. The benefit amount depends on the severity of the illness and the length of your policy.
Covered Conditions May Include:
Life-threatening cancer
Heart attack
Kidney failure
Stroke
Coma
Coronary artery bypass surgery
Loss of sight, speech, or hearing
Major organ transplant
Paralysis
Severe burns
What’s Typically Not Covered:
Self-inflicted injuries or illnesses
Recurrence of a previously covered condition (e.g., second cancer diagnosis)
Illnesses during the policy waiting period
Pre-existing conditions
Non-medically necessary procedures
Experimental treatments or investigational drugs
Injuries from high-risk activities or active military service
Why Choose Critical Illness Insurance?
You’re in Control: Use your cash benefits however you need—pay bills, cover medical expenses, or replace lost income.
Keep Your Doctor: Flexibility to choose out-of-network providers and facilities.
Enroll Anytime: No open enrollment period required.
Customizable Plans: Coverage levels available to fit any budget.
Affordable Premiums: Low-cost options for supplemental protection.
Combine for Maximum Coverage: Pair critical illness insurance with hospital indemnity, accident insurance, or dental and vision plans for comprehensive financial protection.
Short-term health insurance (STM) offers limited-duration medical coverage, providing protection for unexpected illnesses or injuries during transitional periods in your life. These plans often have lower premiums compared to major medical insurance, making them an affordable choice for temporary needs.
What Does Short-Term Health Insurance Cover?
Short-term health insurance plans typically provide coverage for medical expenses related to unexpected events, such as:
Hospital Stays: Room and board during hospitalization.
Emergency Services: Visits to the emergency room for sudden illnesses or injuries.
Diagnostic Services: X-rays, lab tests, and analyses.
Ambulance and Surgical Services: Transportation and procedures following emergencies.
Doctor Visits: General medical consultations.
What’s Often Not Covered:
Sports-related injuries.
Emergency room visits for pre-existing conditions.
Injuries or illnesses from extreme or dangerous activities.
Accidents involving ATVs, motorcycles, boats, or aircraft used for racing.
Ongoing treatment for pre-existing conditions diagnosed before the policy’s start date.
Tobacco, drug, or alcohol-related treatments.
Any medical expenses incurred before or after your policy's effective dates.
Customizable Coverage to Fit Your Needs
With short-term plans, you can personalize:
Deductible Levels: Choose what fits your budget and coverage goals.
Coverage Maximums: Set the overall limit for your plan’s benefits.
💡 Important: Short-term plans come with limitations and exclusions. Always review plan details carefully to understand your selected benefits.
Is Short-Term Health Insurance Right for You?
Short-term medical insurance is ideal if you:
Are in-between jobs or waiting for employer coverage to start.
Missed open enrollment for ACA plans.
Need coverage during a life transition, like moving or aging out of a parent’s plan.
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