Business Details
25 Years
experience
Your Trusted Insurance Partner in Richmond, VA
Since 2001, SMH Insurance has established itself as a trusted independent insurance agency specializing in Medicare, life, health, and disability coverage. Our team of licensed professionals, led by Richmond-based agent Steven Hughes with over 30 years of experience, provides personalized insurance solutions tailored to individual and business needs. As an authorized Anthem Blue Cross and Blue Shield agent, we offer access to 25+ Medicare supplement providers and 100+ insurance carriers, ensuring comprehensive options for clients. Our commitment to transparency, competitive pricing, and local market expertise has earned us recognition as one of Richmond's top-rated insurance agencies by Expertise.com.We prioritize client education, offering detailed policy comparisons, free consultations, and streamlined enrollment processes for all products. With specialized focus on small employer group plans, senior insurance needs, and self-employed coverage options, we deliver customized protection strategies while maintaining a client-centric approach that emphasizes long-term relationships over transactional interactions.
Services
Medicare Supplement Insurance
Term Life Insurance
Group Health Insurance
Final Expense Insurance
Long-Term Disability
Self-Employed Group Plans
Dental Insurance
Short-Term Health
Voluntary Employee Benefits
Medicare Advantage Plans
Details
- Year established: 2001
Highlights and features
- We offer 23 years of specialized insurance expertise since 2001
- Our team represents 100+ top-rated insurance carriers
- We provide free policy comparisons with instant online quotes
- Our local agent has 30+ years of direct industry experience
- We guarantee no extra fees for policy purchases through us
Associations and certifications
- Anthem Blue Cross and Blue Shield
What people say
Expert guidance
Personalized service
Prompt assistance
Comprehensive options
Trusted advisor
Services
Medicare Supplement Insurance
Medicare Supplement Insurance helps cover out-of-pocket costs for Original Medicare. These plans pay copays, coinsurance, and deductibles, offering coverage nationwide with no network restrictions. Policyholders can choose any Medicare-accepting provider, with guaranteed renewability regardless of health changes.
Term Life Insurance
Term Life Insurance provides temporary death benefit protection for specified periods. Available in 1-35 year terms with level premiums, these policies offer affordable coverage for income replacement, mortgage protection, and family financial security needs.
Group Health Insurance
Group Health Insurance plans serve businesses with 2-50 employees, offering PPO, HMO, and HDHP options. Plans include preventive care coverage, prescription benefits, and flexible deductible choices, with online enrollment and administrative support for employers.
Final Expense Insurance
Final Expense Insurance provides permanent whole life coverage for end-of-life costs. Simplified issue policies available up to age 85 with guaranteed acceptance options, building cash value over time while ensuring funeral and medical debt coverage.
Long-Term Disability
Long-Term Disability Insurance replaces income during extended work absences due to illness or injury. Policies offer benefit periods up to age 65, with coverage for essential expenses while focusing on recovery.
People
Steven Hughes
President
Steven Hughes has served as Richmond's trusted insurance advisor since 1991, specializing in Medicare and business insurance solutions. With 30+ years of experience, he represents 100+ carriers while maintaining personalized service for individual and corporate clients.
Questions
What insurance products do you specialize in?
We specialize in Medicare supplement plans, term life insurance, group health coverage, final expense policies, and long-term disability insurance for Virginia residents and businesses.
Can I get insurance with pre-existing conditions?
Yes, we offer guaranteed issue and simplified underwriting options for seniors and individuals with health concerns, particularly for final expense and Medicare supplement plans.
How do group health plans work for small businesses?
For groups with 2-50 employees, we provide customizable plans with 400+ policy options, including PPO, HMO, and HDHP choices with administrative support and online enrollment tools.
Do you offer 24/7 policy support?
Our office hours are Monday-Friday 8:30 AM - 5:00 PM, but we provide after-hours contact options for urgent insurance needs and policy emergencies.
Can I change my existing insurance plan?
Yes, we help review and transition existing policies, including Medicare supplement plans, with comparative analysis to ensure improved coverage or cost savings.
How quickly can I get coverage?
Short-term health policies can activate the next day, while other plans typically require 1-3 business days for processing after application completion.
