Pachel Healthcare Initiatives LLC

About Us

At Headwaters Retirement Services, WE work for YOU! You are our number one priority. When you purchase a health plan, it is important to understand how it works, so we educate you throughout the decision making process. Cost is only part of the process. Plans have networks (contracted providers), and you want to make sure that your doctor is in the network.
We will run side by side plan comparisons for you so you can see the cost and/or coverage differences, prior to making your health plan choice.
We work with multiple companies, so you are sure to find a plan to fit your needs.
We work with businesses, individuals, families, seniors and students, offering health plans for short term and long term. We are MNSure certified, offering plans on the exchange where you may qualify for a tax credit (help in paying for your premium). We offer plans that are HSA (Health Savings Account), compliant. These are high deductible health plans where you receive tax-preferred treatment of money saved for medical expenses, such as deductibles, co-pays, co-insurance and some non-covered medical expenses.
We specialize in Medicare; offering several different plans along with Part D plan options. Based on your income, you may qualify for help in paying for your Part D premiums.
We also offer claims resolution on your health care claims. We are just a phone call away for any billing or claims issues.
Stop by and see us for all your healthcare needs. We look forward to building a long business relationship with you!