Google Icon
5 (40 Reviews)

Guidance From Independent Health Insurance Agents

Make health coverage decisions with clarity, not pressure. Muneris Benefits pairs independent guidance with access to major carriers in Virginia, helping individuals, families, Medicare beneficiaries, and employers compare options that fit their needs and budgets. From enrollment questions to ongoing claims, billing, and benefit support, our team provides practical help long after a policy is selected.

Insurance agent reviewing health coverage options with clients

Our Health Insurance Services

Explore independent coverage guidance for personal, Medicare, and employer health insurance needs.

Personal Insurance

Compare individual and family health coverage options with guidance tailored to your healthcare needs, preferred benefits, and budget. Our agents explain plan details clearly so you can make an informed choice.

Medicare Guidance

Get support understanding Medicare plan choices, enrollment timing, and supplemental coverage. We help beneficiaries review available options and navigate a transition to Medicare with greater confidence.

Group Health Plans

Help your organization evaluate group health insurance options that support employees while addressing plan design, cost management, compliance considerations, and ongoing administration needs.

Independent Plan Support

Coverage Guidance Built Around You

Health insurance is personal, and selecting coverage should start with your priorities. Muneris Benefits listens to your needs, compares options from major carriers in Virginia, and explains benefits, costs, and enrollment requirements in plain language. Whether you are protecting a family, approaching Medicare eligibility, or managing a workforce, you receive thoughtful guidance plus responsive support for questions that arise after enrollment.

Agent explaining health insurance plans to a client
Trusted Adviser Relationships

Client Success Stories

See how thoughtful guidance helps clients make confident insurance decisions.

"Mr. Clark was very helpful in explaining everything to me and finding the best plan for me and my wife. He was very prompt in answering my emails and returning my calls."

Kenneth D.

"Excellent service!"

J Fox
J Fox

"Burman Clark made shopping for health insurance easy. He showed me the different options and prices and helped me to make an informed choice of the best insurance for me."

Mitchell H.

"Expertise. Customer-focused. Highly Responsive. These are the words that describe my experience working with Burman Clark and Muneris. Highly recommend!"

Jules Sowder
Jules Sowder

"Mr. Clark was very helpful in explaining everything to me and finding the best plan for me and my wife. He was very prompt in answering my emails and returning my calls."

Kenneth D.

"Excellent service!"

J Fox
J Fox

"Burman Clark made shopping for health insurance easy. He showed me the different options and prices and helped me to make an informed choice of the best insurance for me."

Mitchell H.

"Expertise. Customer-focused. Highly Responsive. These are the words that describe my experience working with Burman Clark and Muneris. Highly recommend!"

Jules Sowder
Jules Sowder

"Mr. Clark was very helpful in explaining everything to me and finding the best plan for me and my wife. He was very prompt in answering my emails and returning my calls."

Kenneth D.

"Excellent service!"

J Fox
J Fox

"Burman Clark made shopping for health insurance easy. He showed me the different options and prices and helped me to make an informed choice of the best insurance for me."

Mitchell H.

"Expertise. Customer-focused. Highly Responsive. These are the words that describe my experience working with Burman Clark and Muneris. Highly recommend!"

Jules Sowder
Jules Sowder
The Muneris Difference

Why Choose Muneris Benefits?

Personal guidance and practical support make insurance easier to manage.

Independent Choice

Access major Virginia carriers and compare coverage based on your priorities, budget, and benefits needs.

35 Years

Since 1990, our team has simplified insurance decisions with technical knowledge and personal service.

Ongoing Support

Receive practical help with claims, billing, benefits questions, and contract concerns after enrollment.

Employer Expertise

Support for Virginia and West Virginia employers includes plan design, cost management, and compliance guidance.

Meet Our Insurance Team

Knowledgeable people committed to making coverage decisions simpler.

Portrait of Burman S. Clark, President of Muneris Benefits

Burman S. Clark

President

Burman S. Clark serves as President of Muneris Benefits, leading the company with a steadfast commitment to client service and community impact. Since the company's founding in 1990, Burman has guided Muneris Benefits to become a trusted insurance brokerage serving hundreds of employers, individuals, and families across Virginia and West Virginia. His leadership philosophy centers on solving client problems through creative plan design, technical expertise, and personalized service. Burman's vision has positioned Muneris Benefits as a people-centered agency that combines updated technology with deep insurance knowledge. Under his direction, the company has earned Better Business Bureau accreditation and recognition as a WiseChoice Healthcare Alliance Certified MEWA Advisor. Burman remains dedicated to maintaining trusted-adviser relationships and delivering excellent customer service throughout the region.

Portrait of Becky Holmes, Licensed Agent and Account Manager at Muneris Benefits

Becky Holmes

Licensed Agent and Account Manager

Becky Holmes is a Licensed Agent and Account Manager at Muneris Benefits, bringing extensive insurance expertise and client-focused service to families and businesses throughout Virginia. With her comprehensive licensing and deep knowledge of employee benefits and personal insurance products, Becky guides clients through complex coverage decisions with clarity and confidence. She specializes in helping employers design customized benefit packages while providing ongoing support for billing, claims, and contract questions. Becky's approach combines technical insurance knowledge with genuine care for each client's unique needs and budget constraints. Her commitment to building trusted-adviser relationships has made her an invaluable resource for clients navigating changing healthcare legislation and cost-management strategies. Becky takes pride in delivering the personalized, responsive service that has defined Muneris Benefits since 1990.

Portrait of Shana Sartin, Employee Benefits Account Manager at Muneris Benefits

Shana Sartin

Employee Benefits Account Manager

Shana Sartin serves as an Employee Benefits Account Manager at Muneris Benefits, dedicated to helping Virginia and West Virginia employers navigate the complexities of employee benefit programs. With specialized expertise in group health insurance, cost-containment strategies, and benefits administration, Shana works closely with HR managers and business owners to design and implement employee benefit solutions tailored to their workforce needs. She provides daily support for account management, answering benefits questions, resolving billing issues, and ensuring seamless communication between employers, employees, and insurance carriers. Shana's technical knowledge of federal and state compliance requirements helps clients stay current with changing regulations while managing healthcare costs effectively. Her commitment to solving client problems and delivering excellent customer service reflects the core values that have guided Muneris Benefits for over three decades.

Portrait of Kelly Pruett, Employee Benefits Account Manager at Muneris Benefits

Kelly Pruett

Employee Benefits Account Manager

Kelly Pruett is an Employee Benefits Account Manager at Muneris Benefits, providing expert guidance and personalized support to employers across Virginia and West Virginia. Kelly specializes in helping businesses develop comprehensive employee benefit strategies that balance workforce needs with budget realities. Her role encompasses daily account management, benefits consultation, claims assistance, and ongoing communication with clients and insurance carriers. With deep knowledge of creative plan design and cost-management techniques, Kelly helps employers navigate healthcare legislation changes while maintaining quality coverage for their teams. She is committed to building long-term, trusted-adviser relationships with every client she serves. Kelly's dedication to excellent customer service and practical problem-solving makes her an essential resource for businesses seeking reliable benefits expertise and responsive support from their local Roanoke and Narrows offices.

Portrait of Jessica Waldron, Customer Service team member at Muneris Benefits

Jessica Waldron

Customer Service

Jessica Waldron provides dedicated Customer Service support at Muneris Benefits, ensuring that clients receive prompt, helpful assistance with their insurance questions and concerns. As a frontline team member, Jessica handles a wide range of client inquiries, from benefits questions and billing issues to claims support and policy information. Her approachable, patient demeanor helps individuals, families, and business clients feel confident and informed throughout their insurance journey. Jessica's commitment to excellent customer service reflects Muneris Benefits' core value of putting people first. She works closely with the entire team to coordinate solutions and maintain the responsive, personalized communication that clients have come to expect since 1990. Whether assisting with Medicare transitions, Marketplace enrollment, or employer benefits administration, Jessica takes pride in making insurance simpler and more accessible for everyone.

Portrait of Ross Clark, Employee Benefits Account Manager at Muneris Benefits

Ross Clark

Employee Benefits Account Manager

Ross Clark serves as an Employee Benefits Account Manager at Muneris Benefits, bringing dedication and expertise to employers seeking comprehensive benefit solutions. Ross specializes in helping businesses design employee benefit packages that attract and retain quality talent while managing costs effectively. His role includes ongoing account management, benefits consultation, compliance guidance, and practical support with claims, billing, and contract issues. Ross works closely with HR managers and business owners across Virginia and West Virginia to navigate the evolving landscape of healthcare legislation and insurance options. His technical knowledge of major carriers and creative plan design helps clients access the coverage options best suited to their workforce and budget. Ross is committed to building trusted relationships and delivering the people-centered service that has defined Muneris Benefits for over three decades.

Portrait of Megan Herndon, Marketing Coordinator at Muneris Benefits

Megan Herndon

Marketing Coordinator

Megan Herndon serves as Marketing Coordinator at Muneris Benefits, supporting the company's outreach and communication efforts throughout Virginia and West Virginia. In her role, Megan develops and coordinates marketing initiatives that help employers, individuals, and families understand their insurance options and the services Muneris Benefits provides. She manages creative employee communications, educational content, and community engagement activities that reflect the company's commitment to excellent customer service and local presence. Megan works to ensure that Muneris Benefits' messaging clearly conveys the value of personalized insurance guidance, trusted-adviser relationships, and technical expertise. Her efforts support the company's reputation as a people-centered brokerage that has been simplifying insurance since 1990. Megan takes pride in helping clients discover how Muneris Benefits can meet their unique coverage needs with responsive, knowledgeable support.

Portrait of Lauren Hand, Licensed Agent at Muneris Benefits

Lauren hand

Licensed Agent

Lauren Hand is a Licensed Agent at Muneris Benefits, committed to helping individuals, families, and businesses find insurance coverage that fits their needs and budgets. With full licensing and access to all major carriers in Virginia, Lauren provides personalized guidance across employee benefits, personal insurance, Medicare options, and Marketplace solutions. She specializes in helping clients compare coverage options and understand the details of health, life, disability, long-term-care, and Medicare supplement insurance. Lauren's approach combines technical insurance expertise with genuine care for each client's unique situation. Whether assisting individuals transitioning to Medicare or helping employers navigate benefits decisions, Lauren builds trusted relationships through clear communication and responsive service. Her dedication to solving client problems and delivering excellent customer service reflects the values that have guided Muneris Benefits since 1990.

Portrait of Baylee Davis, Licensed Agent at Muneris Benefits

Baylee Davis

Licensed Agent

Baylee Davis serves as a Licensed Agent at Muneris Benefits, providing knowledgeable insurance guidance to clients across Virginia and West Virginia. With comprehensive licensing and access to all major carriers in Virginia, Baylee helps individuals, families, and businesses navigate their insurance options with confidence. She specializes in employee benefits, personal insurance, Medicare guidance, and Marketplace solutions, working closely with clients to understand their coverage needs and budget considerations. Baylee's commitment to building trusted-adviser relationships ensures that clients receive personalized service and ongoing support with benefits questions, claims, and policy management. Her technical expertise and people-centered approach reflect the core values that have defined Muneris Benefits for over 35 years. Whether helping Medicare beneficiaries choose the right plan or assisting employers with benefit design, Baylee takes pride in simplifying insurance and delivering excellent customer service.

Frequently Asked Questions

What does an independent health insurance agent do?

An independent health insurance agent helps you evaluate coverage from more than one carrier rather than steering you toward a single insurer’s products. The agent reviews your needs, budget, doctors, medications, and preferred benefits, then explains available plan features, enrollment rules, and trade-offs. Independent agents can also provide support with policy questions, billing concerns, claims, and future coverage changes.

Do I pay more to use an independent health insurance agent?

How can an agent help me choose an individual or family health plan?

When should I start preparing for Medicare enrollment?

Can an agent help employers with group health insurance?

What is an ICHRA and who may benefit from it?

What information should I bring to an insurance consultation?

Will I receive help after my health insurance plan is selected?

Need Help Comparing Coverage Options?

Speak with our team for clear, personalized insurance guidance.

Recognized and Trusted

Awards and Recognition

Better Business Bureau accreditation logo

BBB Accreditation

Accredited commitment to ethical client service

WiseChoice Certified MEWA Advisor recognition

WiseChoice CMA

Certified MEWA advisor recognition earned in 2025

Certified Senior Advisor credential

Certified Senior Advisor

Credential supporting informed senior coverage guidance

Start With a Clear Conversation

Share your coverage questions and goals. Our team will help you understand the next steps.

Contact Us Today

For immediate assistance, feel free to give us a direct call at +1 540-563-1005. You can also send us a quick email at burman@munerisbenefits.com.