Services

We act as your guide through life's stages

Medicare

Original Medicare

Original Medicare is the same for everyone in most ways but is very important to understand because it is the foundation to making choices for the rest of your Medicare coverage.

Medicare Advantage

Also known as Part C or Replacement plans, Medicare Advantage is a popular choice among Medicare recipients. These plans take over as primary coverage and have set costs for services that you can review prior to enrolling. Many of these plans also include a Part D Prescription Drug Plan but not all. These plans may also offer additional benefits to help with dental, vision, and many other types of services. They are also network based so you may have choices such as HMO's and PPO's so make sure your providers are covered in the network!

Medicare Supplements

Medicare Supplement Plans go with Original Medicare as a secondary so Original Medicare pays first here. There are multiple plans to choose from and many carriers that offer them. These plans are designed to cover all or part of the copayments, coinsurance, and deductibles associated with Medicare. These plans don't have networks so they have the flexibility of going anywhere Medicare is accepted. Don't forget to get a Prescription Drug Plan to go along with it as they don't cover prescriptions!

Part D Prescription Drug Plans

Neither Original Medicare or Medicare Supplements cover prescriptions so it's important that you enroll in one if you want the coverage. As stated earlier, many Medicare Advantage plans include Part D. There are many carriers that offer these types of plans. They vary in costs and formularies which means that different plans cover different prescriptions and they may cover them at different costs. We can do the research for you and identify the ones that meet your needs.

Short Term and Long Term Care

While Medicare may cover up to 100 days for certain stays at a facility, Medicare was never designed to cover assisted living or longer stays. The need for these stays are common and can be quite expensive. We encourage everyone to consider getting coverage. There are various ways to cover yourself so reach out and we can help you determine the most suitable options.

Hospital Indemnity

Hospital Indemnity plans are simply to help pay stays in a hospital. We work with multiple insurance companies to bring this coverage to our clients. These are most popular for those who choose a Medicare Advantage plan as they have copays for hospital stays that can become costly.

Cancer Plans

With the high costs of fighting cancer, it's helpful to have coverage designed to pay for it. The costs will depend on what you have for your primary Medicare coverage. Some cancer plans are designed to just give you the funds to pay for treatments and other costs that could go with fighting cancer while other cancer plans will also help you beat cancer by paying for things such as genomic sequencing. Reach out to find out what coverage is right for you!

Health Insurance

ACA (Affordable Care Act)

This coverage is what you might find on healthcare.gov or sometimes referred to as Obamacare or marketplace coverage. This type of coverage is offered by various companies and can have many different price points especially considering the subsidies that you may qualify for. The subsidies typically have to do with income and how many people will be on the policy.

Health Indemnity Plans

Health Indemnity plans can be an excellent alternative to the ACA plans depending on your circumstances. They can be built to your specific needs and can cover a wide range of budgets. Some of the benefits can be avoiding some of the high deductible ACA plans and more flexibility in how you use it.

Life Insurance

Term Life

Term life insurance is a type of life insurance policy that provides coverage for a specified period, or "term," usually ranging from 10 to 30 years. It offers a straightforward approach to protecting your loved ones financially in the event of your death. If you pass away during the term of the policy, the insurance company pays out a death benefit to your beneficiaries. Term life insurance is often chosen by individuals who have specific financial obligations they want to cover, such as mortgage payments, educational expenses, or income replacement for a certain period. It is generally more affordable compared to other types of life insurance, making it an attractive option for many.

Final Expense Life

Final expense insurance, also known as burial insurance or funeral insurance, is designed to cover the costs associated with your funeral, burial, and other end-of-life expenses. It is a type of permanent life insurance that offers a smaller death benefit compared to other policies but is specifically tailored to address the immediate financial needs upon your passing. Final expense insurance provides peace of mind to individuals who want to ensure that their loved ones are not burdened with the financial responsibilities of funeral arrangements and related expenses.