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

Great Customer Service

Rated 5 out of 5
February 16, 2022

Ray is amazing! It’s nice to have someone listen to your issues and find a reasonable resolution. He makes himself available any time and always has accurate information! Customer service is not easy to come by nowadays, so it has been refreshing working with him! Thank you Ray!!

Madison Waitman

Best Agent EVER

Rated 5 out of 5
February 15, 2022

Over the years, dealing with Agents of ALL Kinds…whether they be Insurance, Real Estate or a Rep for anything Else…Ray TOPS them all…Extremely knowledge…….Extremely courteous….Extremely Helpful….and is ALWAYS there when you need him….I’m proud to call Ray a new found Friend.

Larry Wakefield

Thank you Ray

Rated 5 out of 5
October 12, 2021

Thank for all you have done over the years. As a loyal customer for many years you have been a blessing to my family and I. The best insurance agent in Virginia.

Stanley and Brenda Baker

Right on Point-Very knowledgeable!

Rated 5 out of 5
July 23, 2021

I was referred to Ray by a close friend. I was retiring and my 24 year old needed her own insurance. Ray explained everything, a plan was selected and my daughter had her own coverage. Her documents, insurance card came within a week. Ray is the best!


Love Working With Ray!

Rated 5 out of 5
May 27, 2021

Ray really listens. He provides excellent customer service; he’s patient, and he goes out of his way to explain things. I like the fact he has different products that meet my needs. I feel like Ray is really on my side!

Susan Ames

Looking for affordable insurance?

Contact us today

Or contact me directly

9am - 7pm

(804) 937.5371