I'm an independent agent w/ appointments with Anthem, Blue Shield, Kaiser and Healthnet. Someone told me to contact Insphere to be able to offer supplemental health insurance to fill the gaps that health insurance doesn't offer (e.g. deductibles, co-pays, etc). I met with them and everything sounded great, but I'm not sure that I want to take that route. I am independent because I don't want to have to answer to anyone and there has to be a way to get the appointments with those carriers on my own. I spoke to a couple of experienced agents and they didn't know what supplemental health insurance was. Any suggestions?