Experienced Insurance Agent
At Millcreek Insurance Advisors, we protect businesses and families—helping secure the future for those who matter most. From group health plans, employee benefits, and life insurance to supplemental insurance, Medicare, compliance, employee handbooks, and onboarding new clients, we simplify the process so you can focus on running your company—not chasing paperwork. Millcreek Insurance Advisors in Salt Lake City, UT, can be reached at 801-201-9975.
Insurance Services We Offer
HEALTH BENEFITS
Affordable individual family plans, both on the marketplace and private insurance, with side-by-side comparisons.
MEDICARE
For those over 65, or with a qualifying need, we dive into your doctors, prescriptions, and even the pharmacies you use to find the best option to meet your needs
LIFE INSURANCE
Whether you want to cover your mortgage, insure your spouse and children are provided for, or plan for retirement, we can help.
SUPPLEMENTAL INSURANCE
Low-cost plans that cover the gaps health insurance doesn’t cover, such as your deductible or max out-of-pocket.
Employee Benefits & Group
Plans that help you control the second biggest expense line on your P&L
Whether you’re a small business or a growing team, we’re here to guide you with practical advice, personal service, and real-world solutions.
Call us at 801-201-9975 to schedule a consultation and learn how Millcreek Insurance Advisors can support your business today.
Meet Steven Haga – Your Local Insurance Agent
At Millcreek Insurance Advisors, we believe insurance should be simple, clear, and tailored to your unique needs. Led by Steven Haga, a licensed insurance agent based in Salt Lake City, UT, our team is dedicated to helping individuals, families, and businesses find the right coverage to protect what matters most.
Steven brings a background in education and a passion for teaching clients about their insurance options. He specializes in health, life, Medicare, group, and supplemental insurance—guiding you through complex choices with clear, honest advice. Our goal is to provide peace of mind by offering personalized solutions that fit your budget and lifestyle.
Whether you’re exploring health plans, life insurance, Medicare options, or employee benefits for your business, Millcreek Insurance Advisors is here to help every step of the way.
How Our Process Works
Four Simple Steps to Better Benefits
1. Quick 15-minute consultation
2. We shop the market for you
3. We give you a side-by-side comparison
4. We help you see what you need and enroll you with no charge.
Frequently Asked Questions (FAQ)
Q: What is the difference between HMO, PPO, and HDHP plans? (And which one is best for me?)
A: HMO is cheapest but restrictive; PPO is pricey but flexible; HDHP has low premiums but high initial costs before the plan pays for services. The best option depends on your situation. Contact me to help you determine which is better for you.
Q: How do deductibles, premiums, and out-of-pocket maximums work together?
A: Premiums are what you pay every month, the deductible is what you pay before insurance starts helping, and the out‑of‑pocket maximum is the most you’ll pay in a year.
Q: How much life insurance do I actually need, and what’s the difference between Term and Whole Life?
A: You usually need enough life insurance to cover your income for several years, your debts, and your family’s major expenses. Term Life is cheaper coverage for a set number of years, while Whole Life is much more expensive but lasts your entire life and builds cash value. Think in terms of rent vs owning a home.
Q: What is the difference between an HSA and an FSA, and can I have both?
A: An HSA is a savings account you own and keep forever, while an FSA is “use‑it‑or‑lose‑it” each year, and you can only have both if your FSA is a limited‑purpose one that covers dental and vision.
Q: How do I know if my specific doctors and medications are "in-network"?
A: These are some of the things I can help you find with my access to most of the carriers.
Q: Can I get help enrolling in a health insurance plan?
A: Yes, we assist with enrollment, plan comparisons, and questions about benefits. We ensure that you understand your options before making a decision.
Q: Are your services free to use?
A: Yes, working with Millcreek Insurance Advisors costs you nothing. We are paid by the insurance companies, so there is no extra fee for our help.
Q: Is supplemental insurance (like accident, critical illness, or hospital indemnity) worth the extra cost?
Supplemental insurance can be worth it if a surprise injury or illness would seriously strain your budget, but if you already have strong savings and good main coverage, the extra cost often isn’t necessary.
Q: Can I change my insurance benefits outside of the Open Enrollment period? (Life Events)
A: Yes — you can change your benefits outside Open Enrollment only if you have a qualifying life event, like getting married, having a baby, losing other coverage, or moving, which gives you a short special enrollment window to update your insurance.
Q: Are dental and vision insurance typically included, or do I need to buy them separately?
A: Dental and vision are usually not included in regular health insurance, so most people need to buy them separately unless their employer bundles them together.
Q: What is the difference between short-term and long-term disability, and how much of my income do they cover?
Short‑term disability covers you for a few weeks to months, while long‑term disability covers you for years or even until retirement, and both typically replace about 50–70% of your income, depending on the plan.
How our process works: There are four simple steps to better benefits.
1. Quick 15-minute consultation
2. We shop the market for you
3. We provide a side-by-side comparison
4. Easy Enrollment and ongoing support