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Long Term Care and Short Term Care
Short-term care insurance provides temporary financial coverage (typically for 12 months or less) for immediate recovery needs, featuring lower premiums, zero-day waiting periods, and a simpler approval process. Conversely, long-term care insurance provides comprehensive, multi-year coverage for ongoing assistance with daily living (such as bathing or dressing) due to aging or chronic conditions, though it…
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Medicare
A government funded health insurance program for people 65 or older, certain people who are under 65 with disabilities, and people of any agent with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant). New to Medicare or just looking to explore your options, we can help you navigate the often-confusing…
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Medicare Advantage
Medicare Advantage is a Medicare-approved plan from a private insurance company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D.
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Medicare Supplement Plan
Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare, such as copayments, coinsurance, and deductibles. Generally, you must have Original Medicare to buy a Medigap policy.
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Prescription Drug Plan
Medicare prescription drug plans, also known as Medicare Part D, are plans offered by a private insurance company that helps cover the cost of prescription drugs not covered by Medicare Parts A or B. Medicare Part D is usually included with your Medicare Advantage Plans. You can also enroll in a stand-alone Part D plan…
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Dental/Vision Plans
Dental Plans Dental coverage is considered a very important part of your overall health care plan. Making the decision to secure a dental plan for your faimly is the right choice. We offer options to make sure you maintain that sparkle to those pearly whites. For more information, please schedule a consultation or review your…
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Hospital Indemnity/Cancer/Heart/Stroke/Ambulance
These affordable solutions are designed to work with your medical insurance plan. Should the unexpected happen, make sure you have the proper coverage for you and your family. These benefits are paid directly to you and help with the costs your plan may not cover.
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Under 65 Individual/Family Medical Insurance
Searching for the right coverage is a complex process and we offer a wide range of affordable health insurance plans. Schedule a consultation so we can help navigate your plan and coverage options.
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Small Group Health Plans
Building your business and hiring new employees? Keep them and their families safe and save yourself some stress and money with group coverage.
