Knowledge is Power
Lakeland Healthcare Solutions offers expert guidance on health insurance and supplemental benefits for businesses and individuals. Lakeland is dedicated to navigating the complexities of insurance, ensuring informed decisions that meet the client's specific needs. Clients can trust this agency to provide coverage for a healthier future at a cost that won't break the bank.
Insurance Products
Groups
A healthy team is the foundation of a successful business. Group insurance helps small businesses protect their employees, support their families, and build a stronger, more secure workplace. The benefit solutions below are designed to help you care for your team while supporting retention, productivity, and long-term growth.
Individuals and Families
Protecting your health means protecting your future. Marketplace and private insurance options help individuals and families access quality coverage that fits their needs and budget. Below are insurance solutions designed to protect individuals and families—safeguarding health, financial security, and peace of mind for today and the years ahead.
Health Insurance for Businesses with
2–49 Employees
Health insurance shouldn’t be the hardest part of running a business.
If you have 2–49 employees in Missouri, rising costs and confusing options can make benefits feel overwhelming. I help small businesses cut through the noise and choose strategies that actually fit.
How I Help
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Clarify whether traditional group coverage still makes sense
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Explore smarter alternatives when appropriate
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Balance cost, risk, and compliance
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Make confident decisions before renewal pressure hits
Options May Include
Fully insured plans, level-funded plans, or defined-contribution strategies—chosen based on your business, not a template.
📞 Let’s build a benefits strategy that works for your business.
Supplemental Group Benefits
Benefitting Your Employees & Improving Your Bottom Line
The Attentive Program is an innovative employee benefits program that gives the employer the ability to add benefits at no cost to your organization. The program creates tax savings for you and your employees, which provides them with money to purchase additional insurance.
All of this gives you the competitive edge to attract and retain valuable employees. Attentive offers ease of administration and dedicated account support.
Attentive program generates FICA savings to your organization on average $590 per year for each participating employee. Employees experience an average tax savings of $1,800 per year, which enables them to select additional benefits.
Group health insurance options also available through United Healthcare, BlueCross/Blue/Shield and Iron Health.
Short Term Medical
Allstate Short Term Medical
Between jobs? Aging out of a family health plan? Waiting for Open Enrollment? Is the Marketplace not an affordable option for you? Short term health plans are affordable, temporary health plans designed to protect your wallet & your peace of mind during gaps in comprehensive coverage.
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Flexible terms, from 30 days to 12 months renewable up to 3 years (length of available term may vary by state)
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Coverage for office visits, urgent care & more (varies by plan)
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A wide range of deductibles & out-of-pocket costs
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Access to large national networks
Short Term Medical policies also available through United Healthcare, Manhattan Life, Washington National, and Pivot Health.
Dental and Vision
Ameritas Dental and Vision Insurance
Ameritas offers one of the largest networks of providers, featuring a robust preferred provider network that provides members with significant discounts. With Ameritas, you can enjoy the benefit of no waiting period for most services, ensuring you and your family receive timely care when you need it. Experience peace of mind knowing that quality service is just a click away. Join Ameritas today and take advantage of these benefits!
Dental Insurance also available though Allstate, United Healthcare, and Renaissance.
Accident,
Critical Illness,
Hospitalization
Allstate Plan Enhancer
Accident insurance is a supplemental plan that pays you a cash benefit for care related to a covered injury or illness. It works with or without health insurance, offering cash relief after an unexpected medical event.
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Flexible terms, from 30 to 364 days
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No network restrictions & no waiting periods
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Guaranteed coverage for applicants aged 18 to 64
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Works with or without health insurance
Accident, Critical Illness and Hospitalization insurance also available through United Healthcare, Manhattan Life, Washington National, and Pivot Health.
Fixed Indemnity
Allstate Access Fixed Indemnity Plan
In today’s fast-paced world, managing healthcare costs can be overwhelming. A fixed benefit medical plan simplifies this process by providing a predetermined payout for various healthcare services, ensuring you can access essential medical care without the burden of exorbitant expenses. Whether it’s routine check-ups, specialist visits, or urgent care, these plans offer peace of mind, allowing you to focus on your health rather than worrying about unexpected bills. With a fixed benefit plan, you have the flexibility to tailor your healthcare choices, making it an ideal solution for everyday healthcare needs.
Fixed Indemnity plans are also available through United Healthcare, Manhattan Life, Washington National, and Pivot Health.
Cancer - Heart/Stroke
Insurance
Allstate Cancer and Heart/Stroke Insurance
Our bodies are remarkable and resilient in so many ways. So we don’t always anticipate a life-threatening illness like cancer, heart attack, or stroke. But should the unexpected happen, make sure you have proper coverage for yourself and your family members.
Allstate Health Solutions designed our Cancer and Heart/Stroke coverage to seamlessly work with any other medical plan you have. Plans are affordable, easy to understand and easy to use.
As soon as you or a loved one receives a diagnosis of cancer, heart attack or stroke — you’ll receive cash benefits directly from us. So you can focus on getting the care you need and not have to worry about the expenses you’ll have to pay.
Cancer and Heart/Stroke Insurance is also available through United Healthcare, Manhattan Life, and Washington National.
Latest Insights
Ms. Tonya W. - Detroit, MI
"I tried for a week to get insurance on the Marketplace by myself and it was just too frustrating. My co-worker gave me Tina's number. I was so glad I called. She is so kind and really concerned about making sure I got exactly the kind of insurance I needed. She has really made me comfortable knowing I am getting the insurance I need. She also leaves a smile on my face."
Robert W. - Lake Ozark, MO
"Tina secured affordable group health insurance for our company with great coverage. She is also implementing a tax-saving plan for employees so they can afford supplemental policies and allowing me to save on payroll taxes, benefiting us all. Tina has shown professionalism and expertise throughout the process."
Stephanie C. - Farmersville, OH
"When I was looking for insurance Tina couldn't have been more helpful for me and my husband. She has been there all the way through. I can call her at any time, and she is always very helpful."
About Tina and Lakeland Healthcare Solutions
My Commitment to You
Hi, my name is Clema “Tina” Keller. I’m the founder of Lakeland Healthcare Solutions, an independent insurance agency specializing in group health, individual health, and supplemental insurance solutions. I launched Lakeland Healthcare Solutions after a long and successful career as an Operations Manager, where one of my many responsibilities was managing insurance and health benefits for my company’s employees. Over the years, I discovered that helping employees navigate their health coverage and protecting their families was the most rewarding part of my role—and ultimately, what I wanted to do full time. Today, my mission is simple: to help people protect their most important asset—their health. I focus on educating my clients so they can make confident, informed decisions about their coverage. Knowledge is powerful. At Lakeland Healthcare Solutions, I provide clear guidance and valuable resources, including articles, FAQs, and blog posts, to help simplify health insurance and remove the confusion often surrounding it. My goal is to be a trusted partner for my clients, offering support, education, and solutions they can rely on long after a policy is in place.