As an independently owned business, we are able to provide you and your family with a wide variety of plans and carriers. With our established relationships and market knowledge, we will tailor an insurance program specifically designed to meet your needs.
Medicare is a fee-for-service health care program for seniors, in which the government pays health care providers directly for services that fall under Parts A and B of Medicare benefits (see below). However, if you are looking for more coverage than Original Medicare, you can enroll in a Medicare Advantage Plan to receive all your Part A and Part B benefits.
Medicare is divided into four categories. This allows you to customize your personal coverage when shopping for a comprehensive policy.
• Part A (hospital insurance): Covers hospital care, emergency services, nursing home care, home health services and hospice.
• Part B (medical insurance): Covers medically necessary services and supplies used for diagnosing and treating medical conditions, and preventative services for illness prevention and/or early detection. Examples include ambulance services, mental health care, outpatient procedures and clinical research.
• Part C: Combines Parts A and B and often part D as well.
• Part D: Offers prescription drug coverage.
Medicare Advantage Plans
Medicare Advantage Plans (also known as Medicare Part C) are health plan options that are part of the Medicare program. If you join one of these plans, you generally get all your Medicare-covered health care through that plan. This coverage can include Medicare Part D prescription drug coverage or you can enroll in a separate Medicare Part D prescription drug coverage plan. Medicare Advantage Plans include:
- Medicare Health Maintenance Organization (HMOs)
- Preferred Provider Organizations (PPO)
- Private Fee-for-Service (PFFS) Plans
- Medicare Special Needs Plans (SNP)
- Medicare Medical Savings Accounts (MSA)
Medicare Supplement Plans
A Medicare Supplement (Medigap) policy helps pay some of the health care costs that Original Medicare doesn't cover, like: Copayments, Coinsurance and Deductibles. Medicare Supplement policies are sold by private companies. Some Medicare Supplement policies also cover services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. If you have Original Medicare and you buy a Medicare Supplement policy, here's what happens:
• Medicare will pay its share of the Medicare-approved amount for covered health care costs.
• Then, your Medicare Supplement policy pays its share.
A Medicare Supplement policy is different from a Medicare Advantage Plan. Medicare Advantage plans are ways to get Medicare benefits, while a Medicare Supplement policy only supplements your Original Medicare benefits.
Additional things you need to know about Medicare Supplements:
• You must have Medicare Part A and Part B.
• You pay the private insurance company a monthly premium for your Medicare Supplement policy. You pay this monthly premium in addition to the monthly Part B premium that you pay to Medicare.
• A Medicare Supplement policy only covers one person. If you and your spouse both want Medicare Supplement coverage, you'll each have to buy separate policies.
• You can buy a Medicare Supplement policy from any insurance company that's licensed in your state to sell one.
• Any standardized Medicare Supplement policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medicare Supplement policy as long as you pay the premium.
• Some Medicare Supplement policies sold in the past covered prescription drugs. But, Medicare Supplement policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).
• Medicare Supplement policies generally don't cover long-term care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.
Children Whole Life
There are plans that are available for children. The Grow-Up Plan (Age 14 days to 14 years old) and the Young Adult Plan (Age 15- 17 years old).
One of the reasons you should buy life insurance for your child is because you can help your child financially in the future. This type of policy builds “cash value” over time. This is money that’s set aside with each monthly premium payment made. The longer you own the policy, the more cash value the policy accumulates. It’s like a small nest egg for the future.
During age 18, your child’s coverage amount doubles at no extra cost. He or she will have even better protection for adult life while still paying the same childhood premium. When your child turns age 21, your child will have two options: Keep the policy and have coverage for life, or turn in the policy and get the available cash value in return.
Should you encounter any financial difficulties while your child is growing up, it’s good to know that you can borrow against the policy’s available cash value as long as all premiums are paid (policy loan interests applies). The option to borrow against your cash value is always there for you, in case of an emergency.
Dental & Vision Plans
Get the dental and vision care you and your family deserve.
No matter which dental or vision plan you choose, you can count on professional, courteous care from your provider. You will have access to thousands of dentists and vision care doctors. These plans are also easy to understand and easy to purchase.
Legal Expense Plans
LegalShield is a pre-paid legal service for individuals, families, and businesses. For a low monthly rate, you get comprehensive legal coverage from an entire law firm of professionals. They can help you with a variety of issues and provide advice whenever you need it.
LegalShield gives you the ability to talk to an attorney on any personal matter without worrying about high hourly costs. That’s why, under the protection of LegalShield, you or your family can live your lives worry free.
Even better, you don’t have to worry about which attorney to use- LegalShield will do that for you. LegalShield's experienced attorneys focus specifically on their members and provide 24/7 access for covered emergencies.
For more information about Legal plans, click on the link below to access my personal LegalShield website.
Identity Theft Protection Plans
The ID Shield plan provides members with unlimited access to identity consultation services provided by Kroll's Licensed Private Investigators. The Investigator will advise members on best practices for identity management tailored to the member's specific situation and should there be an identity theft event, the investigator will recommend that a case be opened for restoration.
Members have access to member support agents and 24/7/365 for emergency situations. Kroll's Licensed Investigators will be available to answer questions regarding ID Theft and Fraud issues from 7am to 7pm central time, Monday through Friday excluding major holidays.
For more information about Identity Theft Protection plans, click on the link below to access my personal LegalShield website:
Prescription Drug Plans
A prescription drug plan (PDP) is a stand-alone plan, covering only prescription drugs. Enrollees pay a co-pay for each prescription, a monthly premium and an annual deductible. Each prescription drug plan has its own list of covered drugs (called a formulary). Many drug plans place drugs into different "tiers" on their formularies. Prescriptions listed on a plan’s formulary will usually be the most cost-effective medication to treat a certain condition.
Hospital Indemnity insurance, also called Hospitalization insurance or Hospital insurance, is a plan that pays you benefits when you are confined to a hospital, whether for planned or unplanned reasons, or for other medical services, depending on your policy.
Hospital Indemnity insurance can help you fill gaps in your medical coverage by providing you payment for each day spent in the hospital, and for some other qualified expenses as well. That’s money you can use as you choose, whether for hospital bills or those other costs that come up while you are recovering.