Our Services

Medicare is the federal health insurance program for:

• People who are 65 or older

• Certain younger people with disabilities

• People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD)

What are the parts of Medicare?

The different parts of Medicare help cover specific services:

• Medicare Part A (Hospital Insurance)
  Part A covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

• Medicare Part B (Medical Insurance)
  Part B covers certain doctors’ services, outpatient care, medical supplies, and preventive services.

• Medicare Part D (prescription drug coverage)
  Helps cover the cost of prescription drugs (including many recommended shots or vaccines).

Our Agents are here to assist you in navigating the different options available when choosing a Medicare Insurance plan

What is a Medicare Supplement plan?

A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles.

What is a Medicare Advantage plan?

Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. You’ll get your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage from the Medicare Advantage Plan and not Original Medicare.

What is a Medicare Part D plan?

Medicare offers prescription drug coverage to everyone with Medicare. If you decide not to join a Medicare Prescription Drug Plan (Part D) when you’re first eligible, and you don’t have other creditable prescription drug coverage, or you don’t get Extra Help, you’ll likely pay a late enrollment penalty.

Individual Health Insurance

If you are an individual or family who does not currently have insurance through a group employer plan, our agency can walk you through your individual health plan options.

If you’ve ever tried to navigate health insurance plans on your own, you may have noticed that there are dozens of different plan types, and multiple providers who offer them.

Our agents can assist with choosing which plan is most appropriate for your needs.

Looking for Life Insurance?

Life insurance is not only the cornerstone of a solid financial plan, but it’s hands down one of the most cost effective ways to protect the people who depend on you financially.

What would happen to your family if you were to die prematurely? Would they be able to maintain their current lifestyle?

Would your kids be able to go to college? Would your spouse be able to shoulder the load with one income?

If you have a child, are married, or you are carrying any kind of debt, purchasing life insurance is a no-brainer.

If all three, well, hopefully you already have life insurance. Here are a few other reasons to have life insurance though:

• charitable donations
• pay federal death and estate taxes
• create an inheritance for your heirs
• pay final expenses

Short-Term Disability – Short-Term Disability (STD) plans pay benefits when sickness or injury prevents you from working full time.

Long-Term Disability – Long-Term Disability insurance allows you to protect yourself and your family by providing a convenient, economical way of securing an income while out of work from an unexpected accidental injury or illness.

Accidental Death & Dismemberment – Accidental Death and Dismemberment (AD&D) coverage pays additional benefits if a death or injuries occur as the result of an accident.

Critical Illness – Critical Illness insurance pays cash directly to the insured individual for the unplanned expenses of a critical illness.

Accident – Accident insurance provides cash directly to the insured individual for the unexpected costs of an accidental injury.

Vision – Stand-alone vision that provides coverage for comprehensive vision exams and corrective eyesight material. It works alongside your medical coverage to help you take care of your overall health.

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