PPO Health Insurance — Individuals, Families, Small Business Owners & 1099 Contractors
PPO health plans are available for individuals and families who need coverage outside of an employer plan. Coverage options built around your life.
Step 1 of 2 · Get your free quote
No obligation. Someone from FFIC will reach out to walk you through plans that fit your budget.
Someone from FFIC will reach out within one business day. Want to skip the wait? Book a time directly.
Or call directly: 401-533-3410
★★★★★
"Needed good coverage at a more affordable cost than our family's COBRA plan."
What makes a PPO different
Many people don't realize they can access the same quality networks as employer-sponsored plans, even when coverage isn't coming from a job.
Many PPO plans let you see specialists without a referral, with access to large nationwide networks — similar to the networks large employers offer their staff.
PPO plans are designed to give you flexibility in where and how you receive care. Billing is handled between the provider and the insurance company, with an explanation of benefits sent to you afterward.
Many PPO plans offer high or unlimited lifetime maximum benefits, giving you long-term peace of mind. Renewal terms and benefit details vary by plan and are reviewed during enrollment.
PPO networks offered through major national carriers are among the largest in the country. Fairbanks Family Insurance helps you compare plan options so you can find network access that fits how you live and work.
Who this is built for
Whatever your situation, you deserve coverage that fits your life — not a one-size-fits-all policy.
Individuals & Families
Whether it's just you, you and a spouse, or your whole family, we'll help you find a plan that fits your budget and your needs.
Self-Employed & 1099
Freelancers and 1099 contractors often have to sort out their own benefits. That's been part of our specialty since 2018.
Small Business Owners
S-corp, LLC, or sole prop — your own coverage often falls through the cracks. We help owners and their families find solid plans without overpaying.
Between Jobs or Plans
Retired early, between employer plans, or just looking for something better than what you have — we'll walk you through your options without pressure.
The process
Three steps from conversation to covered.
Takes 60 seconds. Our team reviews every submission personally and reaches out within one business day.
A short call — no jargon, no pressure. You'll see a plan comparison built for your situation with real numbers.
If it fits, we move forward. Enrollment is handled for you. Coverage typically starts within days.
Michael Fairbanks
CEO & Owner · Licensed Producer
Most agents are captive — they sell one carrier's products because that's all they're contracted to offer. As an independent producer, I show you what fits your budget and situation, not what earns the highest commission.
I started Fairbanks Family Insurance because I watched people navigate the insurance market alone — overpaying for coverage they didn't understand, or going without because it felt too complicated. It doesn't have to be.
My job is simple: get you covered, keep it clear, and be available when something comes up.
Fill out the form above or book a time directly. No pressure, no forms to research first — just a clear conversation.
Book a Free Call →Or call directly: 401-533-3410 · MichaelFairbanks.agent@gmail.com