Medicare Plans
- How to tell if you even NEED a plan
- When can you enroll, or make changes to our plans
- What if you move?
- How does a medicare plan, compare to your retirement plan?
- Are there any special needs we need to address?
Medicare A & B eligible? Mailbox filling up with confusion? Health Insurance is not a one size fits all. So, if you are seeking clarity among the confusion, then let’s talk.
Don’t forget about:
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What medications are covered by Medicare
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Dental
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Vision
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Hearing
Individual/Family Plans
These plans are for individuals or families that do not have health coverage through an employer or other group. They are plans that you have heard about when you hear of such things like The Affordable Care Act or Obamacare.
- Open Enrollment is from Nov 1 through Jan 31
- For Healthcare.gov, you can see the plans currently available in your area: Healthcare.Gov See Plans
Individual/Family Temporary Insurance Plans
This is short term insurance which provides temporary benefits up to 90 days in many states. While you wait for coverage to begin under an ACA-qualified plan, these plans offer financial protection in the case of unexpected injury or illness.
These plans offer:
- Cost-effective premiums
- Customized length of plans
- Several deductible and coinsurance options
These plans are NOT qualifying heath coverage (“Minimal Essential Coverage”). If you don’t have Minimum Essential Coverage, you may owe an additional payment with your taxes.
Travel Insurance
The insurance protection you need when you’re on the move:
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Coverage options tailored to your particular needs
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Based on the length of your stay if you just need coverage occaissionally.
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Year long subscriptions, for frequent travellers
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Planning a group trip? We’ve plans tailored to those needs as well
Life insurance is a crucial step in planning for your future and the future of your loved ones.
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Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
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Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.
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Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.