Navigating the complex world of health insurance on your own can be daunting. Determining whether you qualify for financial assistance through The Marketplace and choosing a plan design from the dozens of options can be an overwhelming task. We have the knowledge to explain the differences between options like HMOs, PPOs, and HDHPs with HSAs so you can make an educated decision and enroll in the right plan based on the unique circumstances you and your family face.
When you enroll with a Certified Agent, not only do you receive free enrollment assistance, but also free ongoing service and support on your new coverage. Whether you go through the process on your own or with our help, your premium cost remains the same.
None of us want to worry about what will happen to our loved ones after we die. Life insurance provides a financial safety net for your dependents later if you’re not around to take care of them. The proceeds from a life insurance policy can help cover funeral costs, mortgage payments, college tuition, and other expenses.
There are two main types of life insurance: Term life insurance is the easiest to understand and has the lowest price. Permanent insurance is more complex and tends to cost more than term, but it offers additional benefits such as retirement income, terminal illness, and chronic illness (long term care) coverage. We can help you find and understand options that work best for you and your family.
We offer more than Medicare provides to take care of the things that you might find Medicare doesn’t fully cover. Besides your government Medicare Part A & B, there are 2 kinds of Medicare coverages offered by private insurance companies – a Medicare Advantage and a Medicare Supplement (aka Medigap policy) to limit your out-of-pocket expenses.
Medicare Advantage policies generally have low or no monthly premiums, which include a drug card, utilize insurance networks and often provided additional services like dental and vision coverage. A Medicare Supplement (Medigap policy) is generally not limited to insurance networks and provides hospital and medical coverage only you need to purchase drug coverage separately.