Please make sure to select either ACA or Medicare under the "Services" tab above.
Ruzicka Benefits
The
Affordable
Care Act
Confused by the Affordable Care Act and its requirements? Our experienced team of healthcare advisors offers personalized assistance, ensuring you navigate your options smoothly and secure the most affordable and comprehensive coverage.
Sarah T., 34, Mother
⭐⭐⭐⭐⭐
"Randi made finding an ACA plan easy and stress-free! She listened to our needs, explained our options clearly, and found us the perfect coverage. Highly Recommend!
Happy Customer
More than clients taken care of!
Max Holtzclaw
The Affordable
Care Act
Confused by the Affordable Care Act and its requirements? Our experienced team of healthcare advisors offers personalized assistance, ensuring you navigate your options smoothly and secure the most affordable and comprehensive coverage.
About Us
Helping You To
Manage Your ACA
Needs!
Randi, an Idaho native, is the Founder of Ruzicka Benefits, where she specializes in helping individuals and families find insurance coverage tailored to their needs and budget. Dedicated to building lasting relationships, she takes pride in guiding clients through the complexities of insurance with a personal, approachable touch.
Outside of work, Randi enjoys life in Idaho with her husband, Ryan, and their two children, Mikayla and Brady. As a family, they love camping, fishing, and boating—making the most of Idaho’s great outdoors.
Randi Ruzicka
Founder of Ruzicka Benefits, Insurance Agent
NPN: 20856613
About Us
Helping You To
Manage Your ACA
Needs!
Randi, an Idaho native, is the Founder of Ruzicka Benefits, where she specializes in helping individuals and families find insurance coverage tailored to their needs and budget. Dedicated to building lasting relationships, she takes pride in guiding clients through the complexities of insurance with a personal, approachable touch.
Outside of work, Randi enjoys life in Idaho with her husband, Ryan, and their two children, Mikayla and Brady. As a family, they love camping, fishing, and boating—making the most of Idaho’s great outdoors.
Randi Ruzicka
Founder of Ruzicka Benefits, Insurance Agent
NPN: 20856613
About Us
Helping You To
Manage Your Medicare
Needs!
Max Holtzclaw is a dedicated insurance agent based in Boise, Idaho, serving Medicare clients with personalized coverage solutions since 2023. A proud alumnus of Northwest Nazarene University (NNU), where he studied and excelled as a baseball player, Max brings the same teamwork and commitment to his insurance career. He lives in Nampa with his wife, Molly, and their newborn son, Emmitt, and is passionate about helping families secure their future through tailored insurance plans.
Max Holtzclaw
Insurance Agent
NPN: 20723766
About Us
Helping You To
Manage Your Medicare
Needs!
Max Holtzclaw is a dedicated insurance agent based in Boise, Idaho, serving Medicare clients with personalized coverage solutions since 2023. A proud alumnus of Northwest Nazarene University (NNU), where he studied and excelled as a baseball player, Max brings the same teamwork and commitment to his insurance career. He lives in Nampa with his wife, Molly, and their newborn son, Emmitt, and is passionate about helping families secure their future through tailored insurance plans.
Max Holtzclaw
Insurance Agent
20723766
Everything You Need To Know
About ACA At A Glance
What is the Affordable Care Act?
The Affordable Care Act (ACA) is a 2010 law aimed at increasing the affordability and accessibility of health insurance, expanding Medicaid coverage, and reducing overall healthcare costs.
Important Details
The enrollment periods are designated times each year when people can sign up for health insurance, including an annual open enrollment and special periods for qualifying life events.
Everything You Need To Know About ACA
At A Glance
What is the Affordable Care Act?
The Affordable Care Act (ACA) is a 2010 law aimed at increasing the affordability and accessibility of health insurance, expanding Medicaid coverage, and reducing overall healthcare costs.
Important Details
The enrollment periods are designated times each year when people can sign up for health insurance, including an annual open enrollment and special periods for qualifying life events.
Reviews
Real-Life Testimonials
From Satisfied Clients
Susan R., 68, Retired Teacher
“Working with the team at Ruzicka Benefits was a game-changer for my Medicare coverage. I was overwhelmed by all the options and fine print, but they took the time to explain everything in a way that made sense. They found a plan that fit my medical needs and budget perfectly. Their patience and expertise gave me peace of mind, and I couldn’t be happier with the service!”
Michael T., 42, Small Business Owner
“I can’t thank Ruzicka Benefits enough for their help navigating the ACA plans. They listened to my concerns, answered all my questions, and even followed up after enrollment to ensure everything was going smoothly. Their knowledge and personalized approach made the process stress-free, and I now have a plan that covers my prescriptions at a great rate!”
Linda and Robert M., 70 and 73, Retired Nurse and Engineer
“Ruzicka Benefits is simply the best! They went above and beyond to find a Medicare plan that worked for me and my wife. They were honest, thorough, and never pushed us into anything. Their guidance saved us money and ensured we’re both covered for our healthcare needs. I highly recommend them to anyone looking for Medicare advice!”
Reviews
Real-Life Testimonials
From Satisfied Clients
Susan R., 68, Retired Teacher
"“Working with the team at Ruzicka Benefits was a game-changer for my Medicare coverage. I was overwhelmed by all the options and fine print, but they took the time to explain everything in a way that made sense. They found a plan that fit my medical needs and budget perfectly. Their patience and expertise gave me peace of mind, and I couldn’t be happier with the service!”"
Michael T., 42, Small Business Owner
"“I can’t thank Ruzicka Benefits enough for their help navigating the ACA plans. They listened to my concerns, answered all my questions, and even followed up after enrollment to ensure everything was going smoothly. Their knowledge and personalized approach made the process stress-free, and I now have a plan that covers my prescriptions at a great rate!”"
Linda and Robert M., 70 and 73, Retired Nurse and Engineer
"“Ruzicka Benefits is simply the best! They went above and beyond to find a Medicare plan that worked for me and my wife. They were honest, thorough, and never pushed us into anything. Their guidance saved us money and ensured we’re both covered for our healthcare needs. I highly recommend them to anyone looking for Medicare advice!”"
More Info
Important Questions
What Should I Budget for Health Insurance?
You should choose the Bronze or Silver plans if you need to save money, or the Gold or Platinum plans if you have a larger budget and expect to need frequent healthcare services.
Can I Work with My Preferred Doctor?
Yes absolutely, but please ensure that your preferred doctors and hospitals are in-network to avoid high out-of-pocket costs.
Prescription Drug Needs
Choose a plan that effectively covers your medication requirements. If you are unsure which plan to choose, you can schedule a free consultation call with one of our experts below.
I Need Help Paying for Health Insurance
Premium subsidies are available for incomes between 100% and 400% of the federal poverty level; you can check your eligibility on the Health Insurance Marketplace.
How do I Sign Up?
For more detailed information and personalized assistance, schedule an appointment with me today. I can guide you through the process, help you understand your options, and ensure you find a plan that meets your needs and budget. Schedule an appointment now to get started on securing your health insurance coverage.
More Info
Important Questions
What Should I Budget for Health Insurance?
You should choose the Bronze or Silver plans if you need to save money, or the Gold or Platinum plans if you have a larger budget and expect to need frequent healthcare services.
Can I Work with My Preferred Doctor?
Yes absolutely, but please ensure that your preferred doctors and hospitals are in-network to avoid high out-of-pocket costs.
Prescription Drug Needs
Choose a plan that effectively covers your medication requirements. If you are unsure which plan to choose, you can schedule a free consultation call with one of our experts below.
I Need Help Paying for Health Insurance
Premium subsidies are available for incomes between 100% and 400% of the federal poverty level; you can check your eligibility on the Health Insurance Marketplace.
How do I Sign Up?
For more detailed information and personalized assistance, schedule an appointment with me today. I can guide you through the process, help you understand your options, and ensure you find a plan that meets your needs and budget. Schedule an appointment now to get started on securing your health insurance coverage.
Looking for a First-Class ACA Consultant?
Looking for a First-Class ACA Consultant?
Ruzicka Benefits is committed to serving you at the highest level with all your Healthcare needs.
National Producer Number: 20723766
Company
Directories
Legal
Ruzicka Benefits is committed to serving you at the highest level with all your Healthcare needs.
National Producer Number: 20723766
Company
Directories
Legal