Bernard Healthcare Financial Planning (HFP) — a Nashville, Tennessee-based subsidiary of Bernard Health — is now Gallagher, expanding our regional healthcare benefits expertise. Founded in 2010, Bernard HFP specializes in health insurance and Medicare advice and support for individuals and families.

Both Gallagher and Bernard HFP share a client-centric approach to finding the right health insurance coverage and providing ongoing support. Bernard HFP's mission to be a trusted advisor for helping individuals and families plan for healthcare makes them an ideal partner with Gallagher.

As part of Gallagher, clients now benefit from the company's global resources.

Bernard (Healthcare Financial Planning) complements our existing employee benefits offerings and represents an excellent cultural fit.
J. Patrick Gallagher, Jr., Chairman and CEO

Providing much-needed health insurance and Medicare advice

We partner with financial planners, employer benefit brokerages, healthcare providers and insurance companies to provide individuals and families advice and support regarding health insurance.

Our licensed, non-commissioned advisors help clients navigate the complexities of health insurance, including:

  • Workplace plans
  • Continued group coverage
  • Individual marketplace plans
  • Off-exchange individual plans
  • Short-term health plans
  • Medicare

How our healthcare financial planning services work

  1. One of our partners refers you to us.
  2. One of our licensed, non-commissioned advisors helps you analyze your options
  3. We assist with enrolling and as questions come up about your plan in the future.
  4. Our partners receive reporting related to the individuals and families they refer to us.

Interested in becoming a partner?

Submit the form below or call us at (800) 505-0750.

Personalized service yields savings and peace of mind

Making good healthcare decisions is more important than ever — choosing incorrectly can be expensive and limit options. We pride ourselves on tailored, personal service that translates into the most appropriate healthcare plan for individuals and families. Our financial planning services include:

  • Doctor or provider network review
  • Medical bill review and auditing
  • Year-round advocacy on healthcare questions
  • Organization of doctor and RX list, insurance benefits and effective dates
  • Advice and help with the following:
    • Enrolling in medical, dental, vision and drug coverage
    • Opening health savings accounts
    • Enrolling in international travel health insurance


We do not offer every Medicare plan available in your area. Currently we represent 7 organizations which offer over 200 products in your area. Please contact, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Contact us at (800) 505-0750 or complete the form below.

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