Products We Specialize In
This is one of the most confusing products on the market today. Between knowing the terms of what a deductible, co-insurance, out-of-pocket, and prescription drug coverage can mean to your pocketbook, the types of plans are confusing as well. Using a certified and qualified agent to guide you through the decision-making process can be beneficial to you.
Medicare is our country’s health insurance program for people age 65 or older and younger people receiving Social Security disability benefits. The program helps with the cost of health care, but it doesn’t cover all medical expenses or the cost of most long-term care. To help pay your out-of-pocket costs in Original Medicare (like your deductible and 20% coinsurance), you need to shop for and buy supplemental coverage or Medicare Advantage program.
What is more important to protect than your income, the most valuable asset you have? If you had an accident or serious illness and could not work, would you have any help with medical expenses or your everyday household expenses? Disability insurance can help cover all these important things and take the worry of not meeting your bills. Whether for an employer group or individual we have a plan that fits your budget and needs.
When accidents happen, they’re often followed by a series of bills. Even with sound health insurance, you can still have out-of-pocket expenses, such as doctor bills, ambulance charges and emergency room fees. Our accident insurance plans can help offset the unexpected medical expenses that may result from a fracture, dislocation, or other covered accidental injuries.
This product can keep a family from financial disaster if the main breadwinner dies unexpectantly. There are two main types of life insurance: Term Life that covers you for a set number of years as few as 5 and as many as 30, or Whole Life insurance that can be considered a savings plan with a death benefit if the policyholder dies. There are a variety of products and companies with different types of coverage. It is best to consult with a life insurance agent to find the right product for you.
There is more and more research that is proving that there is a strong link between the health of your teeth and gums and the development of medical conditions. Bacterial infections in your mouth can travel and infect other parts of your body. Dental care has switched from restorative dentistry (fillings, root canals, and crowns) to preventive. The recommendation is to get a dental exam at least twice a year. Dental insurance plans are available for every budget to help stem the cost of dental expenses. We can help you find the right one for your employees or your family.
Vision plans typically cover an eye exam every 12 months and may include an allowance for frames and contacts. This is an important part of overall health care. We have plans available for individuals and employer groups.
Long Term Care
Long Term Care insurance covers needs that are not covered by Medicare or Medicaid. Long Term care policies generally cover home care, assisted living, adult daycare, respite car, hospice, nursing home and Alzheimer’s facilities. Long Term care insurance helps to pay for out of pocket expenses. The kinds of long term care plans and premiums available vary with the needs of the client and allow them to choose the daily coverage amount and terms of the policy.