# Triangle Life and Health

> Independent insurance agency in Raleigh, NC specializing in Medicare, ACA Health Insurance, and Life Insurance. Licensed agent Michael Cubell shops across multiple carriers to find the best coverage for each client's unique situation.

## About

Triangle Life and Health is an independent insurance brokerage owned by Michael Cubell, serving North Carolina's Triangle region and 12 additional states. Founded on the principle that insurance should be personalized — not one-size-fits-all — the agency compares plans across top carriers including UnitedHealthcare, Mutual of Omaha, Aetna, Humana, Alignment Health Plan, and Blue Cross NC.

Michael Cubell has been a licensed insurance agent since 2012, holding AHIP (Medicare Advantage), FFM (ACA Marketplace), and AML (life insurance) certifications. He is currently licensed in 13 states: AR, AZ, FL, GA, LA, MD, MO, NC, OH, SC, TN, TX, and VA.

The agency maintains a 5-star Google rating and serves families across the Triangle and nationally.

## Services

### Medicare Insurance
- **Medicare Part A & B (Original Medicare):** Hospital and medical insurance for those 65+ or with qualifying disabilities
- **Medicare Advantage (Part C):** Private carrier plans that bundle Part A, B, and usually Part D with added benefits like dental, vision, and hearing
- **Medicare Supplement (Medigap):** Supplemental policies that cover out-of-pocket costs not paid by Original Medicare
- **Medicare Part D:** Prescription drug coverage plans

### Health Insurance
- **ACA Health Insurance:** Affordable Care Act marketplace plans for individuals and families in North Carolina
- **Short-Term Medical Insurance:** Bridge coverage for gaps between employer plans or during life transitions
- **Dental Insurance:** Standalone dental coverage plans
- **Hospital Indemnity Plans:** Cash-benefit plans that pay directly to you when hospitalized

### Life Insurance
- **Term Life Insurance:** Affordable coverage for 10, 20, or 30-year terms with options for no medical exam
- **Final Expense / Burial Insurance:** Whole life policies designed to cover funeral and end-of-life costs, typically $5,000–$35,000

## Service Areas

Primary: Raleigh, Durham, Cary, Apex, Chapel Hill, Wake Forest, Holly Springs, Garner, Knightdale, Morrisville, Fuquay-Varina, Clayton, and surrounding Triangle communities in North Carolina.

Additional states: Arkansas, Arizona, Florida, Georgia, Louisiana, Maryland, Missouri, Ohio, South Carolina, Tennessee, Texas, and Virginia.

## Contact

- **Website:** https://trianglelifeandhealth.com
- **Phone:** (919) 301-0575
- **Email:** mike@trianglelifeandhealth.com
- **Address:** Raleigh, NC
- **Schedule a consultation:** https://trianglelifeandhealth.com/calendar

## Key Pages

- Homepage: https://trianglelifeandhealth.com
- Medicare Overview: https://trianglelifeandhealth.com/medicare-overview
- Medicare Advantage (Part C): https://trianglelifeandhealth.com/medicare-advantage-part-c
- Medicare Part A & B: https://trianglelifeandhealth.com/medicare-part-a-and-b
- Medicare Supplement (Medigap): https://trianglelifeandhealth.com/medicare-supplement-insurance-medigap
- Prescription Drug Plans (Part D): https://trianglelifeandhealth.com/prescription-drug-plan-part-d
- ACA Health Insurance: https://trianglelifeandhealth.com/north-carolina-aca-health-insurance
- Short-Term Medical Insurance: https://trianglelifeandhealth.com/short-term-medical-insurance
- Hospital Indemnity Plans: https://trianglelifeandhealth.com/north-carolina-hospital-indemnity-plans
- Dental Insurance: https://trianglelifeandhealth.com/dental-insurance
- Term Life Insurance: https://trianglelifeandhealth.com/term-life-insurance
- Burial / Final Expense Insurance: https://trianglelifeandhealth.com/burial-insurance-final-expense-coverage-in-north-carolina
- About: https://trianglelifeandhealth.com/about-triangle-life-and-health
- Contact: https://trianglelifeandhealth.com/contact-us
- Where We Serve: https://trianglelifeandhealth.com/where-we-serve
- Blog: https://trianglelifeandhealth.com/blog

## Frequently Asked Questions

### Medicare
- What's the difference between Medicare Part C and Medicare Advantage? They're the same thing — "Part C" is the formal name, "Medicare Advantage" is the marketing name.
- Can I have a Medigap policy with Part C? No. Medigap works only with Original Medicare, not Medicare Advantage.
- Will I still pay my Part B premium on a Part C plan? Yes, even with a $0-premium Part C plan, you still pay the Part B premium.

### ACA Health Insurance
- When is Open Enrollment for ACA plans? Typically November 1 through January 15 each year, though Special Enrollment Periods exist for qualifying life events.
- Do I qualify for subsidies? Subsidies are based on household income and family size. An agent can help determine eligibility.

### Life Insurance
- Do I need a medical exam for term life insurance? Many carriers offer no-exam options, though exam policies often have lower premiums.
- How much burial insurance do I need? Most families choose between $5,000 and $35,000 depending on final expense preferences.

## Optional

- Business entity: Triangle Life and Health® (a brand of Inspiring Success Inc)
- Owner: Michael Cubell
- Founded: 2012
- Google Reviews: 77 reviews, 5.0 average rating