We have you covered

Having health insurance protection is important for everyone. As an agent with R Manhatten Insurance Group, I offer residents of Richmond, VA, and the surrounding communities, a choice when it comes to their health insurance. I am a licensed and trained insurance agent with experience working with individuals, families, and small businesses. I will work personally with you to identify your unique insurance needs and budget, and then offer you a variety of options that address those needs. If you are looking for health, life, small group, Medicare or supplemental (voluntary) insurance, please contact me today for a free consultation and no-obligation quote.

If you are looking for Health, Life, Small Group, Medicare or Supplemental Insurance, and are living in the following states AL, MI, MN, NC, OH, PA, TN, TX, VA, WI, WV please contact me today (804) 937 5371 for a free consultation and no-obligation quote.

Choosing a Plan

Choosing insurance plans can be difficult. That’s why I make it easy. I’ll make the calls, compare the plans and prices, and find you the insurance plan that fits your needs.


I work with nationally recognized insurance companies to give you the quality, affordable insurance you’re looking for. Best of all, my assistance is at no cost to you.

Call me today at (804) 937-5371 and let me find the right insurance for you.

Looking for affordable insurance?

Finding The Right Low-Cost Health Coverage Has Never Been Easier

Our Services

My name is Ray Hatten and as your local licensed insurance broker, I’m here to help find the best insurance plan for you, your family, and your budget. Let me save you time and effort by searching through plans from nationally and locally recognized companies on your behalf.
And I’ll do it all for FREE!

Contact me today at (804) 937-5371.





Small business

What’s the best health insurance for you? The answer depends on factors such as your income, age, tobacco use, and where you live. But with my help, finding an affordable plan that fits your budget and needs is easy.


I can help you find the health insurance plan that meets your needs, whether you’re under the age of 30 or for a child only and looking for a low-cost plan; a high-coverage plan with low out-of-pocket expenses; or something in between. Let me know your price point and coverage needs, and I’ll help you find the perfect fit.


Your family is the most important part of your life. Let me help you find health insurance that covers everyone, puts your mind at ease, and won’t break the bank. I can help you choose the coverage that’s tailored to your family.


Need insurance as early as tomorrow to cover the next 30 to 90 days? Let me help secure immediate individual and family coverage for you. It’s even possible to make a single payment for the whole coverage period, depending on the insurance company.

As your local insurance broker, and along with dental and vision plans, I offer a wide range of supplemental insurance plans that pay a cash benefit directly to you to help fill financial gaps when you’re sick or injured. It can be used any way you choose, from paying medical expenses or nursing facilities to everyday living expenses such as groceries or the electric bill and it’s all tax free. Call me today at (804) 937-5371.


Make sure you keep smiling! Affordable dental plans are available, and some policies provide coverage for orthodontics, teeth whitening, and dental implants including free cleanings and x-rays.


See what you’ve been missing! I can review options from multiple insurance companies to help meet your needs.


You don’t plan accidents. But you can plan for them. A supplemental accident plan typically pays a lump- sum cash benefit directly to you for injuries to help cover expenses you may have during your recovery.


Focus on recovery instead of finances. These plans generally provide a lump-sum cash benefit directly to you for the first diagnosis of a major illness such as a heart attack, stroke, or life-threatening cancer.


If you’re suddenly admitted to a hospital, could you afford an extended stay? A supplemental hospital confinement plan typically pays a daily cash benefit directly to you for hospital confinement related to an accident or illness.


An injury or illness that prevents you from working has the potential to turn into financial hardship. Disability insurance plans generally pay a monthly cash benefit to you when you’re unable to work.

The longer you put off buying life insurance, the more you risk paying significantly higher rates or getting denied. If an accident or illness hits before you purchase a policy, what was an affordable plan can become financially out of reach. Call me today at (804) 937-5371 to see how easy it is to lock in your rates now and help ensure the lowest premiums.


I can assist you in securing a term life policy that can help provide for your family’s loss of income if you die. This policy could help pay off a mortgage or fund a college education.


If you want to access a guaranteed cash-value account, you want a whole life policy. You’ll also get guaranteed level premiums and life insurance protection for as long as you live.


Gain peace of mind with an affordable way for your family to pay your funeral costs and other final expenses or outstanding debts.

There are pros and cons to every type of life insurance plan. I can be a valuable resource to help you determine which policy type is best suited for your family’s needs and budget. Contact me today!

As your local licensed insurance broker, I’m here to help find the Medicare plan that best meets your needs and budget. Let me save you time and effort by searching through plans from nationally and locally recognized companies on your behalf. And I’ll do it all at no cost. Contact me today at (804) 937-5371!


Let me help you simplify your Medicare coverage.
A Medicare Advantage plan combines hospital, doctor, and prescription drug coverage. These compact plans may also include other benefits not offered through original Medicare.


Need more predictable out-of-pocket costs? I can enroll you in a Medicare supplement plan that can help fill the gaps in your Medicare Part A and B coverage, so there are fewer surprise expenses.
F, N, D, G are the most popular Medicare Supplement plans.


I can help you better manage your prescription expenses with a Medicare Part D prescription drug plan. Contact me to decode the eligibility requirements.

Let me show you how you can get better benefits with bold savings. I’ll sit down with you and your employees, individually, to help choose the best solution—and my service is free. Don’t let shopping for health coverage distract you from running your business. Call me at (804) 937-5371 to schedule a free consultation today!


Let me help you find plans where, in many cases, your employees will receive more comprehensive benefits with lower out-of-pocket expenses.


I’m here for you. I provide help to you and every one of your employees when you need it—not just once a year.

Our Reviews

Ray’s Excellent Work!

Rated 5 out of 5
February 17, 2023

Ray did an excellent job handling my request for insurance. He took time with me and was very professional! He was very friendly and knowledgeable! Even when I found out I was covered by another insurance he helped me take care of canceling insurances and followed up with me later! I highly recommend him and plan to use him when I need him, which I will at some point!

Sheila Olson

Excellent experience

Rated 5 out of 5
December 1, 2022

Ray helped me when I lost insurance due to my husband retiring. He gave me excellent choices, listened to my questions and concerns and followed up in a timely manner. I’ve even recommended Ray to my sister.

Stephanie Mallory

Ray is an Excellent Agent

Rated 5 out of 5
December 1, 2022

Ray always has time for any questions I have. He is so knowledgeable. I highly recommend him for ALL insurance needs. Thank you Ray!

JoAnn Rowan

Extremely helpful

Rated 5 out of 5
October 22, 2022

Ray helped me get the best insurance for my needs.

Jay Lille

Great Overall Service

Rated 5 out of 5
August 17, 2022

My son had just graduated from the Penn State Medical School and had been on the school insurance for the past year. Due to his age, he had to come off of our family policy. We found out on Monday, Aug 15th that his insurance expired on Friday, Aug 12th. He attempted to extend it or purchase COBRA insurance and was denied on both options because he was no longer a student. On Tuesday, Aug 16th, I called our Erie Insurance agent but they don’t offer medical insurance; however, she referred me to Ray Hatten. Ray and I spoke in the morning and by lunch time, Ray had sent me 3 quotes, explained each and by mid afternoon we had a full coverage short term medical insurance policy that went into effect at 12:01am on Wednesday, August 17th. Ray is a true professional who provides outstanding customer service. In addition, the rates were great. In a matter of a few short hours, we went from having no insurance for my adult son to a full coverage policy with all paperwork completed and the first month’s premium paid. Having spent the large majority of my career in the hospitality business, I certainly understand customer service, both good and bad…..and Ray was outstanding!! Thank you very much for all of your help and I will be happy to refer others to you.

Mike Watkins

Looking for affordable insurance?

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(804) 937.5371