Insurance Types

Description of Services Offered

• We work with a number of reputable carriers serving the below insurance types.
• We choose the appropriate carrier for the individual situation and insurance need.
  • Insurers are chosen based on underwriting requirements and how they feel about select situations
  • Insurers also are chosen because of their unique ability to insure specific situations and for the specific products they offer
• We strive to find for our clients the lowest cost insurance that meets their needs. By working with multiple insurance companies this is something we can do without forcing the client to have multiple agents working with them on the same insurance need.

• Individual Health Insurance - We are able to help clients pick from among many different products to fit their individual needs.
• Small Business or Group Insurance - We assist businesses pick a plan that maintains costs in control while at the same time allowing the business to offer one of the most sought after employee benefits.
• We are well versed in Health Savings Account Plans and how both individuals and business clients can utilize these to save on taxes as well as premium dollars.

• Whole Life; Universal Life; and Term Life Insurance.
• We assist employers, business owners, and individuals plan for the future of their company, their family, and their business partners in the event of an untimely death.
• There are numerous choices of insurance available now and in recent years the costs of insurance have dropped.
• It is important to periodically review your permanent life policies (Whole and Universal Life). Contact us for a free review of your current permanent life policies.

• We assist individuals and businesses choose from among several carriers.
• We listen to each individual client to determine their personal needs. There is no one size fits all plan for Long Term Care. Each individual based on family factors and available assets needs different plans to meet their Long Term Care Insurance needs.
• We can usually find appropriate plans for even those with serious medical issues.
• With basic nursing home stays costing upwards of $60,000 per year, and care for Alzheimer's and other severe cognitive disorders requiring round the clock care costing much more than that, a few years in a nursing home can leave the surviving spouse cash poor.
• Medicare does not pay for custodial Nursing Home Care
• Medicaid requires that one have virtually no assets and Medicaid can place a lien on the house to recover the nursing home expenses paid by the Medicaid program, potentially leaving your heirs with nothing to inherit.
• Call us to discuss your individual needs. You may be surprised at just how affordable these plans can be.

• Individual and Group Disability polices are available.
• These policies assist employers and employees safeguard income against loss when injuries or illness keep the insured away from work, due to serious illness or injury.
• Social Security Disability Income does not kick in immediately and usually does not replace the income of most workers out of work due to serious illness or injury, thus there is a need to replace the lost income.
• We work with our clients to package the appropriate policies to allow them to continue living as close to the lifestyle they were used to living before their illness or accident occurred.  

• There are several types of Medicare Advantage Plans they are broken them out below to simplify the explanation of each type of plan as well as what makes each kind of plan a good purchase.
• The Annual Enrollment Period is from November 15 until December 31 each year.
• The Open Enrollment Period is from January 1 to March 31 each year. During this period changes between different carriers can be made.
• Individual's aging into Medicare Eligibility have 3 months before, the month of their 65th birthday and 3 months after their birthday in which to enroll in a plan.
• These plans have no medical underwriting.
• Plans are available and specifically designed for those who are Dual Eligible

• This is the Medicare Prescription Plan.
• All of the plans must meet minimum benefits levels established by the Center for Medicare Services
• Plans are typically established nationwide by each carrier offering the plans. However the premiums are set on a county level.
• These plans can be stand-alone or included as part of a Medicare PPO, HMO, or PFFS. It may be worth looking at one of these plans to see if the cost of the PPO, HMO, or PFFS plan including the Medicare Part D plan saves significant money compared to paying for the Part D plan and a Medicare Supplement Plan.
• Call us to discuss the options available in your area. We will share the available benefits of each plan and help you enroll in the plan you choose.

• Many well established insurance companies for years have offered Medicare Supplement Plans.
• These plans are designed around a variety of different standard plan designs.
• Not all plan designs are offered by every carrier
• Not all plan designs are necessarily available in each area of the country
• These plans will require medical underwriting unless you enroll during specific timeframes

• These plans require the use of providers in a specific network.
• These plans typically are best for individuals who do not travel much instead remaining within a single geographic area all year.
• No Medical Underwriting required to join one of these plans.
• Call our office to learn more and set up a time for us to assist with your enrollment.

• Otherwise known as a Medicare Private Fee For Service Plan.
• Basically it is everything that Medicare is with a few enhanced programs or services offered by the insurance carrier you choose. You sign up with the carrier and pay a premium, which in some cases is even a zero dollar $0 plan. There are even some plans in which the Medicare Part - B premium is returned by the carrier saving the Medicare beneficiary money.
• These plans use co-payments specified in the plan for cost sharing between the plan and the insured. The co-payments are typically capped at a maximum out of pocket level specific to the plan. It does limit the amount of money the insured could be asked to spend during the course of a year.
• Most of these plans have as part of the benefits a Medicare Prescription Plan at no additional premium.
• The plans and premiums are county specific.
• Call our office to consult on which plan is best for you. We set up a time to present the plan to you explaining all featured of the plan and then help with the enrollment. This is all at absolutely no cost to the insured.

• We can assist in the purchase of annuities as we represent a host of different companies with access to a wide product selection.
• Annuities are available in many different "flavors" from the fixed immediate payout to multiple premium deferred annuities using various indices for growth of the premiums.
• We help evaluate the client's needs to assist in picking the best annuity for each individual client.