Your Trusted Partner in Insurance Solutions

Assistance with navigating health and life protection options that meet your needs

Health and Life Insurance Solutions

A wide range of options are available for Healthcare and Life Insurance plans

Find answers, discover more.

605 Health & Life Insurance is dedicated to guiding you through the healthcare and life protection options available to meet your personal or business needs.


Throughout the year, we will offer free seminars covering Medicare Essentials You Should Know Before Turning 65, and How to Select a Life Insurance Policy that Meets Your Needs.


For more information on the seminar schedule, or if you have any questions regarding health or life insurance, please call (605) 205-5156 or complete the contact form below.

Protect What Matters

Life Insurance

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Term Life

Affordable coverage for a specific period, providing peace of mind for your loved ones during critical years.
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Universal Life

Flexible coverage that combines life insurance with a savings component, allowing you to adjust your premiums and benefits.

Whole Life

Lifetime coverage with guaranteed premiums and a cash value that grows over time, ensuring your family’s financial security.
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Final Expense

A specialized policy designed to cover end-of-life expenses, easing the financial burden on your loved ones.
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South Dakotans embrace an outdoor lifestyle rooted in a genuine 'farm to table' spirit.

Healthcare for maintaining a healthy lifestyle

Medicare

  • Turning 65 - Get ready ahead of time to ensure you have a qualified health plan.


  • Already enrolled in Medicare - Speak with an agent to review annual changes in insurance carrier plans.


Your Health, Our Priority

Explore Medicare Plans

Original Medicare

Get coverage for hospital and medical services with Original Medicare. It's the foundation of your healthcare.

Medicare Advantage

Combine your Medicare benefits into one plan with Medicare Advantage. Enjoy added perks and convenience.

Prescription drug coverage is essential. Medicare Part D helps you manage your medication costs effectively

Medicare Part D

Medigap Plans

Fill the gaps in your Medicare coverage with Medigap plans. Ensure you have the protection you need. 

Cost Plans

A Cost Plan combines elements of both a Medicare supplement and a Medicare Advantage Plan.

Personalized Support

605 Health & Life is here to guide you through your Medicare options. Reach out for personalized assistance.

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.  Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program to get information on all of your options. 

Expect the unexpected

Individual & Family Health Insurance Plans

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On-Marketplace / Off-Marketplace Insurance

605 Health & Life understands the importance of selecting the right health plan. Whether you need coverage for yourself, your entire family, or your college student, a comprehensive major medical health insurance plan can be tailored to fit your needs. Evaluating your requirements and choosing a plan that aligns with your lifestyle may seem daunting. I am here as a licensed agent to help guide you through the details at absolutely no cost to you.


On-Marketplace/Off-Marketplace Insurance


Your household income might qualify you for a "Premium Tax Credit" and possible "Cost Sharing Reductions" through the health insurance Marketplace. Several factors will influence whether enrolling on or off the Marketplace will provide greater benefits for you and your family, including:

  • Household size
  • Estimated taxable income
  • Healthcare providers
  • Availability of other coverage, like employer-sponsored options
  • Advantages of On-Marketplace versus Off-Marketplace plans


We are committed to help you navigate the constantly changing health insurance landscape, at no charge, and ensure that you and your family enroll in the most suitable plan for your situation. 


There is no additional cost for assistance with enrollment, and we will continue to offer support for your plan in the future.


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Stephanie Salazar

Health & Life Insurance Advisor

Greetings!  I am a licensed insurance agent based in Spearfish, proudly serving the people of South Dakota.


With more than twenty years of experience in consulting, I offer a wealth of knowledge in business development, finance, investments and accounting.  Throughout my career, I have had the privilege of assisting individuals, businesses, government agencies and nonprofit organizations.


My family roots are in Lead, SD, where my great-grandfather and grandmother were born.  My husband and I moved in and out of South Dakota since 1988, residing in Rapid City before settling in Spearfish in 2015. 


We value a healthy work-life balance.  When we're not working, we enjoy kayaking, swimming, hiking and traveling. 


Contact

Please let me know how I can help you. You can reach me at (605) 205-5156 or send a message using the form below, and I will reply as soon as possible.  Stephanie

Contact Us

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