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Welcome to BMC

Most IMO, FMO marketing organizations select products
from reliable companies and promote them; so do we.
You will find several represented here, each chosen for the
quality of at least one outstanding plan in their portfolio.
But we don’t stop there. For over 20 years BMC has been
instrumental in the design and development of unique
products, each of which created the solution for a
previously unserved need.


Our FirstChoice Blue Ribbon Series, underwritten by
ManhattanLife, is the latest in our long line of proprietary,
‘niche’ plans. We arguably invented the “Guaranteed
Issue, Guaranteed Renewable” market, and we continue
to provide the best “benefit to premium” ratio in the
industry. Perhaps this is why, with your help, we have
welcomed over 30,000 individuals and families into the
BMC FirstChoice fold within the last decade.

The ACA has been a literal godsend for many Americans,
but it does not work for everyone, as millions find the
premium cost out of reach. Others enjoy protection with
potential out-of-pocket costs (deductibles and
coinsurance) over $8,000 for individuals, and twice that for
a family...each year! This is why we developed the
FirstChoice program 10 years ago, and continue to refine
it today.

Plans with a Purpose!

Our four FirstChoice options are not presented as ‘price points,’ but carefully tailored to satisfy specific needs.

Our Plan 1 is designed for individuals who have coverage at work or through “the exchange” but want to protect themselves from the high exposure of a hospital claim.

Plan 2 is tailored to those with a higher deductible ($3,000 or more) from their group coverage at work, their individual “exchange” ACA plan, or for those with a Faith Based Ministry program who would feel more comfortable with an underlying level of strong “guaranteed renewable” benefits. This strategy can also be used in conjunction with a high deductible Short Term Major Medical.


Plan 3 works for those individuals (or families) who do not wish to participate in the Federal ACA insurance plans for any reason, but who do want high levels of “guaranteed renewable” benefits.

Lastly, Plan 4 was designed for those individuals (or families) who want the highest levels of “guaranteed renewable” benefits along with an Outpatient Diagnosis Procedure benefit that is only included in Plan 4. 


Michael O Benke,

CEO BMC Agency, Inc

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