Tracy Pharis

Meet Tracy Pharis

Owner & President

Tracy Pharis is the Owner and President of Blue Water Health Insurance. As a Registered Social Security Analyst (RSSA®) with over 15 years of industry experience, Tracy provides clear, objective advice for individuals, families, and seniors navigating the complexities of health coverage and retirement planning. Her core areas of expertise encompass health insurance, long-term care insurance, Medicare solutions, and strategic Social Security planning.

Through personalized consultations and a deep understanding of government benefits and insurance options, Tracy helps clients make informed choices aligned with their financial goals. As an independent professional, she acts as a dedicated advisor, helping clients find tailored protection for every stage of life.

Education

• Registered Social Security Analyst (RSSA®): Specialized training in Social Security regulations, claiming strategies, filing optimization, and benefit analysis.

Previous Experience/History

• Over 15 Years of Experience in health insurance, Social Security advisory, and financial protection services.
• Broad background in evaluating insurance policies and providing client-centered guidance across evolving healthcare landscapes.

Areas of Expertise

• Health Insurance: Individual, family, and independent health insurance plan selection and strategy.
• Long-Term Care Insurance: Asset protection strategies for extended nursing, home care, or assisted living needs.
• Social Security: Strategic claiming analysis to optimize lifetime payouts, survivor benefits, and spousal choices.
• Medicare: Navigation of Medicare plans, supplements, and prescription coverage options.

Interests/Fun Facts

Outside of her professional work, Tracy enjoys spending time outdoors and engaging in creative hobbies:

• Travel: Exploring new places and destinations.
• Beaches: Spending relaxing time near the water and coastal environments.
• Flowers & Landscaping: Gardening, plant care, and outdoor landscaping design.

Get in Touch

To get started with Tracy Pharis and her excellent team, give us a call today. We look forward to showing you the Blue Water Health Insurance difference!

Tracy Pharis