Evergreen Retirement Planning Inc
Health, Life, Dental & Group Insurance Quotes Fast, Easy & Online!
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Our integrated suite of online services facilitates a comprehensive search and review of leading insurance companies.

About Us

Evergreen Retirement Planning Inc is an independent brokerage. We take great pride in offering our customers hundreds of choices from many A+ reputable insurance companies. We know that each individual is just that, special and unique in their circumstances, budget and requirements. So look around, you'll find you can link directly to many of the sites and apply online instantly if you like.

If you prefer, we'll be happy to sit down with you personally or discuss your needs over the phone. Whatever makes you comfortable. Our clients are all treated the same way, if we wouldn’t sell the same service to our own mothers under the same circumstances, we won't sell it to you.. and we LOVE our moms.

health insurance terms


"I have Janet’s information put away in my lock box!"

B. Rizzo, Charlotte NC

"Janet is much more than an insurance broker, she connects to her customers and understands their situation and needs. Her knowledge is expert and she knows how to guide her customers. I will never go to anyone else - she is superb !! Thanks Janet!"

Patty Murphy Charlotte, NC

"I would like to express my sincere and grateful thanks to Janet for helping my practice find reasonable insurance for myself and my staff. I am a new medical practice with a smaller staff with minor health issues in a rural area. These logistics, surprisingly, proved to be very challenging in finding reasonable health insurance. Janet tirelessly worked to find us the optimal plan, which meant many revisions by us based on our changing individual requests and needs. Her personality is warm, her responsiveness is incredible, and her thoroughness in her work made us feel educated about our decision. I would recommend her a hundred times over to anyone who is seeking health insurance in a professional or personal setting. Thank you Janet!"

Dr. Paul Singh MD

"Janet has always been extremely professional and willing to go the extra mile to research and recommend the right insurance product for my family's circumstances. I recommend her wholeheartedly without reservation."

Robin Ives

"I contacted Janet a couple of months before my family and I was due to arrive in the USA from England. Coming from a country where we have a national health service understanding the US medical system was a real concern for me and I wanted to be sure I had the right coverage at a good price. Janet was incredibly helpful in answering my many questions and giving advice on the nuances of the policies available. She went over and above her remit in ensuring we had the best policy to suit our needs and I cannot recommend her services enough. For anyone coming into the US for the first time…let Janet take some of the stress out of the process."

R. Beardsley

“Janet gave me and my family a great deal of help when we were looking for health insurance when our family was planning our US move. She met with us and demonstrated great depth of knowledge on the subject of US health insurance for the international community. Janet laid before us a focused plan with plenty of options without us being bamboozled by trivia. We were therefore able to make a decision fairly easily for our family.

US health insurance is a minefield when you first come to the US and finding insurance that does what you want and will not break the bank would not have been possible for me without the expert help that Janet provided.“

P. Ingram

"We contacted Janet when my husband was displaced from his job. She provided us with rate quotes that were substantially lower than what we found looking online at the big carriers. However, she recommended that we also check into COBRA since the rates were being subsidized by the government at that time. I was so surprised that she mentioned that at her own expense but it just goes to show that she puts the clients’ best interests first and also that she is very knowledgeable about her business. We wound up taking advantage of the COBRA but I am now a huge fan of Janet and have since referred her to several friends and family members. Thanks Janet!"

A. Jones

A word about Health Insurance

Health insurance protects your family and assets against catastrophic medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments. Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.

Taranto Financial and Insurance Services are contracted with 7 major health companies; Blue Cross, Aetna, United Healthcare, Humana, Cigna, Coventry/Wellpath and Assurant Health. We shop all the companies to find the best price and plan for you and your family. No games. No quotas. Just caring, helpful service. If you are "uninsurable" we can help you there too with the NC Inclusive Health or the Federal Plan or guaranteed Guaranteed Issue Plans.

HEALTH INSURANCE TERMS and what they mean:

Deductible - A lump sum that must be paid before the insurance company pays out, usually the higher the deductible the lower the monthly premium. Pick a deductible that will allow you to afford your premiums but won't bankrupt you if you must be admitted to the hospital. $2500.00 deductibles are popular for this reason.

Co-pay - A fixed amount that is paid to the doctor for each visit

Co-insurance - after the deductible is met there is co-insurance. This is the amount or percentage that you will pay, usually 20-30%, until your out of pocket maximum is reached.

Out of pocket maximum - this is the amount you are responsible for in addition to your deductible until the insurance company pays 100%. (be aware that most policies have exclusions for certain medical needs that will never be covered at 100%)

Independent Agent - An agent who works with many companies and analyzes your individual needs and budget to provide you and your family with the BEST solution for you.

IMPORTANT: Never pay any agent for their services or for your policy, all checks or EFT's should always go directly to the company which you have contracted with.

The benefits of owning an individual insurance policy over a group plan is that you keep your insurance from job to job in an unstable economy. If something happens to your job you must stay with Cobra which is very expensive or go uninsured. If you are healthy this isn't a problem but if you have any serious pre-existing conditions, you may have a hard time getting insured from a group plan to an individual plan. Questions about Cobra or HIPAA? Just ask.

Our associates in annuities, disability and life have decades of experience and expertise in those specific areas so be assured you are dealing with competent, educated people who know the business and the best companies to work with.