Medicare Supplement // Medigap Insurance 

Did you know that over 50% of Medicare enrollees choose Plan F?If you are on Plan F now, it may be time to review your options. Medicare is not allowing any new enrollees into Plan F starting in January 2020.This is a recipe forhigher rates for those who remain in Plan F. When January 2020 hits, you will see most agents recommending Plan G because it will be the most comprehensive plan and we are already seeing rates go up for Plan G. So what will the consumer choose? Those who are looking for comprehensive coverage at an affordable price will likely choose Plan N  which is similar to Plan G but has a couple of differences built into the plan. First, you will have a co-payment of up to $20 per doctor visit and a copay of up to $50 for emergency visits. Secondly, Plan N does not pay excess Part B charges which by the way, but it's estimated that less than 5% of all doctors nationwide make or charge these charges. Those that do, might be a specialist. Here is a way you can make sure you don't have that issue. Check with your doctor before treatment and ask them, "Do you charge Medicare Part B, excess charges" and if they do, find another doctor who accepts what Medicare reimburses them...remember 95% of all physicians, accept what Medicare reimburses them. So Plan N could significantly lower your annual premium increases. A Medicare Supplement policy can cover all or most out-of-pocket medical expenses providing you with peace-of-mind and potential savings. Additional peace of mind in knowing you have your choice of any facility that accepts Medicare such as the Mayo Clinic, Stanford or MD Anderson should you need it. A supplement also provides out of country coverage when you travel...Medicare Advantage Plans may only provide, coverage in emergency situations. Let us guide you inchoosing the right Medicare Supplement today. 

Individual and Group Health Insurance 

Nearly everybody is confused about their healthcare options - and rightly so. You can not rely on politicians or media reports for a clear and unbiased explanation. You want the facts, not opinions. We would be happy to evaluate your current coverage and present you with side-by-side comparisons of alternatives.
The 2020 Open Enrollment Period runs from Friday, November 1 to Sunday, December 15, 2019. Individuals losing group coverage or those who are moving into another state or service area can enroll within 60 days of the event. Small businesses can enroll anytime. Both individuals and small businesses may qualify for substantial tax credits to dramatically reduce their portion of the monthly premiums.

Final Expense // Burial Insurance // Long-Term Care  

Long-Term Care Insurance gives you the financial means and the support options you desire. Whether you require in-home visits, assisted living or skilled nursing care, Long-Term Care Insurance lifts the burden from those around you, improving the quality of life for yourself and for everyone you hold dear.
Your family will always come first and that is why you need Final Expense Life Insurance. You would not want them to bear huge and unexpected financial burdens at the time of your passing. No matter what your age, it is absolutely essential to have a plan in place to protect your loved ones when you are no longer able. Final Expense Life Insurance will pay for your funeral service, bills, and other associated costs. Guaranteed Issue Final Expense Life Insurance is typically available for those 50 thru 80 years. Call us today and we will find a plan for you!

Why Should I Call This Agency for Insurance?

Good question. As an independent agent, we are not employed by one particular company. Instead, we can select insurance products from among those companies that best address your unique concerns. We promise to focus our attention on your benefit exclusively. There are a lot of insurance agents out there and it may seem like any agent or broker is as good as another. But we are decidedly different. LetÂ's face it, insurance jargon can be very confusing. We know the ins and outs of the insurance business, and our inside knowledge of many companies and many products will work to your advantage. In fact, different insurance companies often charge vastly different premiums for the exact same coverage. 

 

Please donÂ't hesitate to call us with your questions no matter whether you are already a valued customer, a potential client or if you simply need expert advice.

There will never be a charge for our assistance or for a friendly, no-obligation chat.