Health & Life Insurance

You can trust our team of experts to identify the best solutions to protect yourself and your family. We assist in navigating your senior health care and individual health insurance options and long term care solutions. Our team also evaluates your life insurance needs to care for your family when you no longer can.

HEALTH INSURANCE

Buying health insurance can be a confusing and overwhelming process. First, you have to find a health insurance plan within your budget. Then you have to contact the company or an insurance agent in order to get a quote. Once you have all of the information, you can evaluate your options. It is a very personal and complicated process we can help simplify by helping you evaluate the following plans.

Medicare Plans

Are you enrolled in the most cost effective Medicare plan?

Have you been thoroughly educated you on the in’s & out’s of Medicare? Premiums may increase year after year, your policy may be updated, etc. It is important to stay informed and knowledgeable about your coverage. Our agents are readily available and here to help educate you.

• Supplemental Insurance

Medicare pays for most of the cost for covered health care services and supplies. A Supplemental Insurance can help pay some of the remaining health care costs, like copayment, coinsurance and deductibles.

• Prescription Drug Benefit (Part D)

Medicare Part D, also called the Prescription Drug Benefit, is an optional United States federal-government program to help Medicare beneficiaries pay for self-administered prescription drugs.

• Medicare Advantage

Medicare Advantage are “bundled” plans that include Part A, Part B, and usually Part D. These plans may have lower out-of- pocket costs than Medicare but in many cases, you’ll need to use doctors who are in the plan’s network.

Affordable Care Act Plans (Marketplace)

Affordable Care Act (sometimes referred to as “Obamacare”) are the most common plans used for individuals and families under the age of 65. It is a health insurance plan based on your income and personal health needs. We will help you apply for coverage through the new Healthcare Marketplace and you may even qualify for financial subsidies.

Dental Plans

Dental insurance is designed to pay a portion of the costs associated with dental care.

Long Term Care

Long term care insurance helps cover the costs of a chronic medical condition, a disability or disorder. Most policies will reimburse you for care such as your home, a nursing home, an assisted living facility or an adult day care center.

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LIFE INSURANCE

Term Life

Term life insurance is a type of life insurance that guarantees payment of a stated death benefit if the covered person dies during a specified timeframe. Once the timeframe expires, the policyholder can either renew for another term, change the policy to permanent coverage, or allow the term life insurance policy to terminate.

Final Expense

Final expense insurance can pay your funeral and burial costs, probate and other estate administration costs, debts and medical expenses not covered by health insurance.

Long Term Care

Long term care helps meet health and personal needs by providing services that include medical and non-medical care for people with a chronic illness or disability.  Services associated with long term care can be provided at home, in the community or in a facility.  This type of care typically assists people with daily activities like dressing, bathing and using the bathroom.

Whole Life

Whole life insurance, also known as traditional life insurance, provides permanent death benefit coverage for the life of the insured. In addition to paying a death benefit, whole life insurance also contains a savings component in which cash value may accumulate. Interest accrues at a fixed rate and on a tax-deferred basis.

Universal Life

Universal life insurance is a type of permanent life insurance. With this type of policy, the insured person is covered for the duration of their life as long as they fulfill the requirements of their policy to maintain coverage.

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