Being insurance brokers, we represent a lot of carriers as well as offering different types of insurance. Life or Health, we are here to help!
Since Medicare does not cover all health care expenses, Supplements are designed to fill in the "gaps" of Original Medicare. These plans are standardized and identified by letters in the alphabet, A through N.
Medicare Advantage is also known as Part C of Medicare. These health plans are approved by Medicare and run by private insurance companies. These plans provide Part A and Part B coverage and may offer extra coverage such as vision, dental, hearing benefits and wellness programs. Most also include Part D prescription drug coverage, however some are designed without.
Individuals who choose to stay in Original Medicare, or plan to have a Medicare Supplement, can purchase a stand alone prescription drug plan. Also known as Part D of Medicare.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-Medicare to get information on all your options.
Term insurance is usually less expensive and once issued, the amount of insurance and premium stay the same for the level term period (i.e. 20 or 30 years).
Whole Life policies give individuals the most options throughout the life of the policy and will accumulate a cash value.
Guaranteed universal life policies are a hybrid product between Term and Whole Life policies. It will combine term insurance with a guaranteed premium out to a certain age.
There are so many options when it comes to choosing the right coverage for you or your family, whether it be navigating the marketplace or purchasing through a private carrier, we are here to help!
Let us walk you through all of your options and make the process of covering yourself or loved ones easier!
Dental plans may cover fillings, preventative care and more!
Vision plans may cover your eyeglasses or contacts and your annual routine eye exams!
Group & Employee benefits include Medical, Dental & Vision, Life, Short Term Disability, and Long Term Disability.
If any of these solutions fit your need for your business and employees, contact us for more information! We would love to help you establish a benefit program for your employees!