Affordable Care Act (ACA)
The ACA offers plans for individuals, families and groups. ACA plans are designed to make healthcare more affordable by reducing the cost of health insurance for individuals and families who qualify by providing them with a premium tax credit and cost-sharing reductions. These plans provide full healthcare and prescription coverage and many include dental, vision, and hearing as well. Please give us a call so we that can review these plans with you.
Annuities
An annuity is a long-term retirement savings product that can help protect you from outliving your money. It’s a contract between you and an insurance company. In return for your money, or “premium”, the insurance company agrees to provide certain benefits. When you put money into an annuity, you create something that can grow over the years, and then, at a later time, can pay you an income for a period of time, even for a lifetime. And since it’s your money, we’ve made sure our annuities have many options so they can be customized for you, your family and your life.
Dental Plans
While some Medicare Advantage (MA) and ACA plans provide dental benefits, others do not. There are a variety of stand-alone dental plans outside of MA and ACA plans available that can fit your dental needs. Please reach out to us to learn more.
Life Insurance / Final Expense
Do not let a “go fund me” be the legacy that you leave for your family. There is a wide variety of life insurance policies available such as term, whole life, universal life and final expense. Take the time to invest in your family’s financial security and future by reviewing these very important plans today.
Long-Term Care Insurance (LTC)
Purchasing a Long Term Care policy early in life is an investment towards your later years. These policies offset the high cost of assisted living facilities and nursing home which continue to rise year after year. If you would like more information on a Long Term Care policy please give us a call.
Medicare Advantage Plans (MA-Plans)
MA plans, also known as Medicare Part C, are available to individuals who qualify and are enrolled in Medicare Parts A and B. These plans help offset the cost of original Medicare and many provide excellent additional benefits such as dental, hearing, vision, prescription drugs, over the counter items, and even possibly a gym membership. If you need help determining if you quality for Medicare or would like assistance in selecting a MA plan that is right for you, please give us a call. We are happy to help.
Medicare Supplement Insurance (Medigap)
Medigap plans are private insurance plans that help pay for some of the out-of-pocket costs not covered by Parts A and B of Original Medicare. Medigap plans offer a lot of flexibility by allowing you to see any doctor throughout the United States that accepts Original Medicare, without requiring a referral. If you would like to learn more about these plans and see how they could benefit you, please call us so we can help.
Part D Prescription Drugs (PDP)
To avoid any costly penalties, you must select a PDP plan if you are enrolled in Original Medicare Parts A and B. PDP plans are also available to those enrolled in a Medigap plan. For more information on these plans, please give us a call.
Legalshield
Have you ever encountered a situation where you really needed legal advice on a matter but knew you could not afford the high hourly rates Attorney’s often charge? All types of situations arise in life ranging from traffic violations to employment issues, warranty issues, purchase and lease contracts, family related issues, etc where we would end up in a much better position with the assistance of an Attorney. That is where pre-paid legal steps in. For a small monthly fee you have 24/7 access to well qualified attorney’s who are available to provide legal advice and representation. You will have the peace of mind knowing that you have continuous protection for whatever type of legal matters come your way! Please give us a call today to learn more.
Short Term Medical Insurance
Short Term Medical plans are designed for someone who needs health insurance coverage for a short period of time due to a variety of reasons such as being in between jobs. They can be a lot more affordable than opting to participate in the often very expensive COBRA that is offered to you when you leave an employer. Short term plans are also great for someone who is visiting the United States from another country and who needs health insurance while they are here. Please call us to learn more.
Pre-Need Planning
A proper and well thought out pre-need planning strategy allows you to make important decisions about your future care and arrangements, providing peace of mind for you and your loved ones. By planning ahead, you can ensure that your wishes are honored while alleviating the financial burden on your family during difficult times. Let us help you navigate this essential process with compassion and expertise.