About Us

Our agency serves both individual and group clients.  Our consumer driven approach to our business and clients ensures that our clients receive exactly what they want and need.  There are many choices for in the market today.  We make sure our clients have the lastest information on everything from healthcare reform to the most innovative ways to approach healthcare.  There is no one size fits all solution.  Contact us today to see how our solutions help individuals and employers alike.

Valentine Holmes is a Senior, Individual and Group Healthcare Advisor with Carolina Life & Health , domiciled in Greenville, South Carolina. Since entering the health and financial services arena in 1999, Val has devoted his life to serving the under 65 with Individual and Group Health Plans, the Senior Market with Gap and/ or Supplemental Plans this also includes the International Community.

I will help you:

Senior Coverage:

  • Provide a complete Technology Platform that provides complete transparency and accountability throughout your entire process. This includes full disclosure to monthly reporting and compliance with CMS.
  • Implement the “To Drop or Not to Drop” management and forecasting process that ensures the total elimination of fraud waste and abuse with the senior market; which presently exist with a predictable and in compliant health plan.

Group Coverage:

  • Define and implement a Health Plan with the use of our Decision Support Tools. Reduce and/ or eliminate compliance concerns, by evaluating an employer's compliance with 27 various IRS, DOL, ERISA and ACA rules and regulation gaps and complexities.
  • Provide a complete Technology Platform that provides complete transparency and accountability throughout your entire process. This includes full disclosure to monthly reporting.
  • Implement the “To Drop or Not to Drop” management and forecasting process that ensures the total elimination of penalties that presently exist with a predictable and in compliant health plan.
  • Design and implement a Health Plan with Future forecasting for the assistance on helping recruit and/ or maintain talent such as Key persons and rainmakers.
  • Help define Tax implications for employer and employees alike.
  • Identify the available Advanced Premium Tax Credit (APTC)/subsidies and cost sharing reductions for each employee.
  • Unbiased assessments of whether to stay, switch, leave your present plan.
  • Help the employer to assess whether he or she is in the way of a better plan for their employees, cost sharing benefits and subsidies or not.
  • Pinpoint penalties and compliance infractions both present and future.
  • Help define Group Health Plan, cost implications for employer and employees alike, how chose to keep the work plan after retirement.
  • Unbiased assessments of whether to stay, switch, leave your present plan.