Tracy Pharis
Owner/Broker
Blue Water Health Insurance
74 W 100 N
Logan, UT 84321, US
Affiliations
Professional Details
Tracy Pharis is the owner of Blue Water Health Insurance and an experienced independent health insurance agent with 15 years of expertise. Specializing in Medicare, individual health plans, and small to medium-sized group coverage, she is dedicated to helping clients navigate the complexities of health insurance with confidence.
Tracy is known for her personalized approach and commitment to exceptional service. She genuinely cares about her clients and goes above and beyond to ensure they receive the best coverage options tailored to their unique needs. Whether working with seniors, individuals, or business owners, Tracy takes pride in making the insurance process straightforward and stress-free. She has a Bachelor of Science Degree in Psychology from Boise State University.
Areas of Expertise
- Long-Term Care Planning
- Medicare Planning
Credentials
- Life & Health Insurance License
Real Stories from Real People
Most People Leave Money on the Table
96% Don't Optimize
Very few people get all the Social Security they’re entitled to.
$111,000 Average Lost
The average household is losing $111,000 in potential income.
1 Chance To Claim
Social Security gives you one chance to get it right – forever.
Maximize Your Benefits
Discover important information for your situation.
Married
If you are married, you may be able to collect up to one-half of your spouse’s Social Security benefit. This won’t affect your spouse’s checks. Ask an RSSA® for details.
Divorced
If you are divorced and 62 or older, you may qualify to receive Social Security benefits from your ex-spouse — in addition to your own Social Security payments. Ask an RSSA® for details.
Widowed
If your spouse has passed away, you may be eligible for a survivor benefit. The extra money may be essential for you. Ask an RSSA® for details.
Single
If you are single, and solely responsible for your retirement, making the optimal Social Security claiming decision is particularly important. Ask an RSSA® about your options.
Self-Employed
As a self-employed person, you may be able to decrease your payroll taxes — yet still receive the maximum income from Social Security. Ask an RSSA® for details.
Disability
Social Security can provide valuable disability benefits if you qualify, but these benefits — and how you qualify for them — are often misunderstood. Ask an RSSA® for details.
Immigrant
If you are a lawful permanent resident, but not yet a citizen, you may still qualify for Social Security benefits. Ask an RSSA® for details.
