SERVICES
Tailored PPO coverage for every lifestyle and income.
01
Self-employed individuals
When you work for yourself, you need coverage that works just as hard. Our custom PPO health plans offer robust benefits, low out-of-pocket costs, and access to nationwide providers. Whether you're a freelancer, rancher, contractor, farmer or sole proprietor, we’ll help you secure coverage that protects your income, health, and peace of mind.
02
Families
Protecting your family is your top priority—ours too. We offer comprehensive PPO plans that provide access to pediatricians, specialists, preventative care, and emergency services nationwide. With customizable deductibles, critical illness coverage, and supplemental options like dental and vision, you can build a plan that grows with your family’s changing needs.
03
Small Business Owners
Attract and retain quality employees with flexible health insurance solutions tailored for your business. Whether you have a team of 2 or 25, we offer affordable options to fit your business needs. Our services include plan customization, enrollment support, and employee support beyond the sale—so you can focus on running your business while we take care of your team.
04
Individuals
Everyone deserves quality health care—regardless of employment status. Whether you're in between jobs, aging off a parent’s plan, or choosing not to use employer coverage, we offer private PPO plans tailored to your needs. Enjoy broad provider access, predictable costs, and personalized guidance to ensure you're covered, confident, and cared for.
05
Early Retirees
If you’ve retired before age 65 and aren’t yet eligible for Medicare, we offer private PPO plans that help you maintain high-quality coverage without breaking the bank. Get access to nationwide providers, comprehensive benefits, and peace of mind during your transition into retirement. We’ll help you bridge the gap confidently with personalized support.
ABOUT
All about
the agent
Amanda Gardiner is more than just an insurance agent—she’s a wife, mother, and a lifelong member of the Western and equine industries. With deep roots in the horse world, Amanda has spent her life surrounded by the values that define ranching and rodeo: grit, loyalty, hard work, and trust. Alongside her husband, Garth Gardiner, she has built a respected reputation as a successful breeder in many western disciplines including the National Reined Cow Horse Association (NRCHA), earning recognition across the Western performance horse community.
Amanda brings that same dedication and excellence into her work as an insurance professional. She understands the day-to-day realities and financial considerations faced by self-employed professionals, small business owners, and traveling families—because she lives that life herself. These aren’t just clients to her—they’re her community.
She specializes in custom private PPO health plans, accident and critical illness coverage, and supplemental insurance solutions tailored to the unique needs of rural families, independent earners, and small operations. Amanda believes in a hands-on, personalized approach—taking the time to walk each client through their options, answer every question, and remain a trusted resource well beyond the initial enrollment.
What sets Amanda apart is not just her knowledge, but her connection. Whether you're hauling horses, raising a family, building a business—or doing all three—Amanda is here to help you protect what matters most, with honesty, clarity, and long-term support.
With Amanda Gardiner, insurance isn’t just a transaction—it’s a relationship built on trust, understanding, and shared values.
APPROACH
Our goal is to protect what you care about most
Gardiner Insurance delivers personalized health insurance for self-employed individuals, families, and small businesses. We focus on simple, flexible solutions with honest guidance and long-term support.
BENEFITS
Values that speak for themselves
Integrity
We prioritize honesty and transparency in every interaction.
Connection
Building meaningful relationships through understanding.
Commitment
Dedicated support that lasts for the long term.
TESTIMONIALS
What our clients are saying
"Amanda treated us like family from day one. She explained everything clearly and helped us build a plan that gives us peace of mind—especially with how much we’re on the road for rodeos."
— Lindsey R., New Mexico
"As a self-employed trainer, finding affordable coverage used to be a nightmare. Amanda not only found me a great PPO plan, but she actually understood my lifestyle. Total game changer."
— Cole M., Oklahoma
"Amanda made the entire process so easy! She really took the time to understand our family's needs and helped us find a plan that actually works with our lifestyle. I’ve never felt more confident about our coverage."
— Jessica T., Texas
FAQ
You're probably
wondering...
Frequently asked questions
