Medicare
Medicare is a federal health insurance program primarily for individuals aged 65 and over, though younger people with disabilities and certain conditions (e.g. End-Stage Renal Disease) may also qualify.
Are you about to turn 65? Are you 65 or over? For some, Medicare can be confusing. As a local agent, I welcome the opportunity to work with you to help navigate your health care choices. Let’s explore the options and benefits available to you that best align to your health care needs.
Healthcare Marketplace
Healthcare marketplace coverage refers to health insurance plans offered through government-run exchanges, also known as the Health Insurance Marketplace. These marketplaces were established under the Affordable Care Act (ACA) to provide individuals, families, and small businesses with access to affordable health insurance. If you are under age 65 and need coverage, the Healthcare Marketplace may be an excellent option to provide essential healthcare coverage for you and your family.
We strongly recommend you utilize a local agent to help you compare your health care choices. Not all plans are the same. Some may work for you that are zero monthly premium and others may have a monthly premium depending upon your yearly income. However, buyer beware -- you need to really understand the copays and associated out of pocket costs. We can help guide you through plan cost and benefits which best align to your health care needs.
Annual Open Enrollment for 2025 is November 1, 2024 to January 15, 2025
Special enrollment periods (SEPs): Outside of the open enrollment period, individuals may qualify for SEPs due to life events such as losing other health coverage, getting married, or having a baby.
Life Insurance
Life insurance offers crucial financial protection for loved ones, helping to ensure they can maintain their lifestyle and cover expenses after the policyholder’s death. It provides dignified homegoing services and financial security for loved ones, income replacement, and potential investment growth. In most cases, life insurance is conveyed free of tax consequences. Life insurance is an investment for your family and provides peace of mind.
Do you have your family covered for the unexpected?
Let’s chat and explore ways to ensure your family has the protection it deserves.
Dental Plans
Dental Insurance coverage plays an important role in maintaining overall health and wellbeing. Prevention and early intervention services like cleanings, exams, and X-rays, help detect problems early before they become more serious and costly.
Cost effective care includes regular check-ups to prevent major dental issues like gum disease, cavities, and tooth decay. In addition, it reduces the need for expensive procedures in the future.
Dental insurance helps pay for a portion of treatments such as filings, root canals, crowns, and extractions, significantly reducing what you would pay out of pocket.
Protect your one of your best assets – Your Smile!
Critical Illness
Critical Illness insurance is a supplemental insurance policy designed to provide financial protection in case of a serious illness. It pays a lump sum benefit when the insured is diagnosed with a specified critical illness.
Health insurance typically only covers medical treatments. Critical illness insurance helps cover non-medical costs such as childcare, transportation to specialists, or alternative therapies. It provides a financial cushion for everyday living expenses if the policyholder is unable to work due to their illness.
Critical illness insurance often has lower premiums compared to life insurance or long-term disability insurance, providing valuable protection at a reasonable cost. Policyholders can choose coverage amounts based on their financial needs and risk factors.
**Peace of Mind**
Stress reduction Knowing that you have financial support in the event of a critical illness can alleviate stress and allow the patient to focus on recovery rather than financial concerns.
Family Protection Critical illness insurance can protect a family from the financial strain caused by medical crises, preserving savings and helping maintain their standard of living.
What it covers Serious illnesses like cancer, heart attacks, strokes, and more, depending on the policy. How it works Provides a lump-sum payout upon diagnosis of a covered illness, which can be used for any purpose.
Why it's important Offers financial security for both medical and non-medical expenses during a health crisis, supplementing regular health insurance and protecting savings.
Critical illness insurance is essential for managing the financial burden that can accompany a life-threatening diagnosis, providing peace of mind and flexibility in difficult times.
Hospital Indemnity Plans
Hospital indemnity insurance is a supplemental insurance policy that provides a fixed, predetermined cash benefit for each day you're hospitalized or for certain medical services related to hospital stays. It is designed to help cover the costs not fully paid by regular health insurance, such as out-of-pocket expenses.
What it covers Pays cash benefits for each day spent in the hospital or for specific medical services, helping with out-of-pocket costs.
Flexible benefits Cash can be used for any purpose—medical bills, household expenses, or income replacement.
Affordable premiums Typically, low-cost and customizable based on individual needs.
Works with other insurance Supplements health insurance by filling coverage gaps for hospital stays and related expenses.
Hospital indemnity insurance provides valuable financial support during hospitalizations, offering peace of mind and financial relief by covering costs that standard health insurance may not fully address.