YOUR PLAN,
YOUR WAY
INDIVIDUAL, FAMILY, AND EMPLOYER HEALTH INSURANCE COVERAGE
Health insurance is essential for maintaining the well-being of you, your family, and your employees. It allows for regular check-ups with a doctor, helping to identify potential health issues early. It ensures access to emergency care during life-threatening situations and, most importantly, helps you manage unexpected medical expenses that may be difficult to afford.
When selecting a health plan under the Affordable Care Act, there are several important factors to consider. You'll need to choose between a PPO, EPO, or HMO plan, as well as select a metal tier level, which determines how much of your medical costs will be covered. Additionally, if you or a family member have specific health needs, make sure to choose a plan that addresses those requirements. By carefully reviewing your options, I can assist you in finding the health insurance plan that best fits your needs.
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Get an instant quote or more information by tapping "explore" below, or call now. (Note: Please contact us for Employer Group Benefits.
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MEDICARE SUPPLEMENT AND ADVANTAGE PLANS
Medicare Supplement Plans:
​Medicare is offered in several "parts," each designed to work together to provide comprehensive coverage. However, gaps between these plans can sometimes lead to difficulties in obtaining coverage or result in high out-of-pocket expenses. To help fill these gaps, Medicare Supplement Plans were created, which are often referred to as "Medigap" plans.
When paired with Original Medicare, a Medicare Supplement plan is accepted nationwide. This combination typically offers the lowest out-of-pocket costs and the greatest flexibility. However, the premium costs will depend on factors like your age, gender, location, tobacco use, and household eligibility for discounts. As a result, premiums can vary significantly based on your personal circumstances and the insurance carrier you choose.
Medicare Advantage Plans:
When you become eligible for Medicare, you'll need to make several decisions, starting with the type of coverage you'd like. Medicare Parts A and B make up what’s known as Original Medicare. However, if you prefer a plan managed by a private insurance company, you can opt for Medicare Part C, also known as Medicare Advantage.
Medicare Advantage plans combine the benefits of Part A and Part B and often include Part D (prescription drug) coverage as well. Many beneficiaries prefer the convenience of having all their coverage under one plan. To enroll in an Advantage plan, you must be enrolled in both Medicare Part A and Part B, and you will continue paying your Part B premiums. Medicare will then pay the Advantage plan administrator a fixed monthly amount to manage your care, and your plan will provide all your benefits. Additionally, you must live within the plan's service area to be eligible.
Get an instant quote or more information by tapping "explore" below, or call now. (Note: Medicare Supplement rates are not available on the website)
(424) 257-3314
LIFE INSURANCE
Life insurance is about taking care of your loved ones. It protects your family and lets you leave them a defined, non-taxable cash amount at the time of death. It can also replace your income, so your family can maintain their quality of life.
What is a Term Life Policy?
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Term life insurance is a type of life insurance that provides coverage for a set period, or "term," typically between 10 and 30 years. If the insured person passes away during the term, the beneficiaries receive a death benefit. However, unlike whole life insurance, term life insurance does not accumulate any cash value over time; it's purely for providing a death benefit if something happens during the policy term.
One of the advantages of term life insurance is its affordability. Because it doesn't have a cash value component or an investment element like whole life insurance, premiums are generally lower, making it more accessible for many people. The policy can be useful for covering specific needs, such as paying off a mortgage, providing for children's education, or ensuring your spouse has financial stability in the event of your death.
When purchasing term life insurance, it's important to think about your long-term needs. You should ask yourself questions like:
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Will my financial responsibilities decrease over time (e.g., will the kids become financially independent or the mortgage get paid off)?
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Will I still need coverage after the term ends, or will my circumstances have changed?
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Is my family prepared to handle the loss of income without this policy, or will they have other financial support?
Understanding these questions can help you choose the right term length and ensure your loved ones are protected during the years when they need it most.
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What is Whole Life Insurance?
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Whole life insurance is a straightforward type of permanent life insurance that provides coverage for your entire lifetime, as long as premiums are paid. Unlike term life insurance, which is purely focused on coverage, whole life insurance also includes a cash value component. This means part of your premium payments grows over time on a tax-deferred basis, so you won’t owe taxes on the growth.
The cash value within a whole life policy offers several benefits you can access during your lifetime. While it may take a few years for the cash value to grow significantly, once it does, you can borrow against it through loans or withdrawals, use it to pay premiums, or even surrender the policy for cash, which can be used to help supplement retirement income.
Whole life insurance is considered one of the easiest types of permanent life insurance to understand. Here are the key features:
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Premiums stay the same for the life of the policy
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The death benefit is guaranteed
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The cash value grows at a guaranteed rate
What is Final Expense Policy?
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Final expense insurance, also known as burial insurance, is a type of life insurance designed to help cover end-of-life expenses. It can assist with funeral costs, medical bills, legal fees, and other related expenses.
Features
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Affordable: Typically more affordable than other life insurance options.
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Permanent: Coverage remains in effect as long as premiums are paid.
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No medical exam: Applicants may only need to answer a few health-related questions.
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Fixed premiums: Premiums generally remain consistent throughout the life of the policy.
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Cash value: The policy accumulates cash value over time.
Benefits
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Helps relieve financial burden on loved ones after a death.
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Can be used to settle outstanding debts, such as mortgages or auto loans.
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Can serve as a way to create savings for future financial goals, like purchasing a new home.
Considerations
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Death benefits are often smaller compared to traditional whole life insurance policies.
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Some policies may include waiting periods before coverage kicks in.
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It's essential to carefully review the policy terms before purchasing.
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Final expense insurance is an ideal option for seniors who wish to prepare financially for their final arrangements.
Get an instant quote or more information by tapping "explore" below, or call now.
(424) 257-3314
DENTAL AND VISION PLANS
Dental Coverage include coverage for preventive care, like routine exams, cleanings, and X-rays. Many plans also include coverage for additional services like fillings, extractions, root canals and crowns.
Vision Plans typically cover the cost of an annual eye exam and prescription eyeglasses and/or contact lenses.
Get an instant quote or more information by tapping "explore" below, or call now.
(424) 257-3314