A successful insurance agent has many tools in his or her toolbox to help clients. We represent a number of insurance carriers so we are able to help with the best policy for our client's particular needs.
That's why we are independent!
MEDICARE ADVANTAGE PLANS
Medicare Advantage Plans are a type of Medicare health plan offered by a private company that contracts with Medicare to provide all your Part A and Part B benefits. Most Medicare Advantage Plans also offer prescription drug coverage. If you’re enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan. Your Medicare services aren’t paid for by Original Medicare. In many cases, Medicare Advantage plans may provide extra benefits that Original Medicare does not offer such as dental, vision, meal plans, hearing aids and/or medical transportation.
MEDICARE SUPPLEMENT (MEDI-GAP) PLANS
Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like: copayments, coinsurance and deductibles. As of January 1, 2020, Medigap plans sold to new people with Medicare aren't allowed to cover the Part B deductible. Because of this, Plans C and F are not available to people new to Medicare starting on January 1, 2020. If you already have either of these two plans (or the high-deductible version of Plan F) or are covered by one of these plans before January 1, 2020, you’ll be able to keep your plan. If you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy one of these plans.
Final Expense insurance is generally used to pay burial expenses. If money is left over after paying burial expenses, it may be used to pay other expenses such as medical or hospital expenses.
DENTAL & VISION
Dental & Vision insurance are not offered on some Medicare Advantage plans and many Medicare Supplement or MediGap plans. If not offered, they are available individually.
Disability Insurance (DI) provides short-term benefits to eligible workers who have a full or partial loss of wages due to a non-work-related illness, injury, or pregnancy.
Medi-Share is an alternative to health insurance. Members are Christians who share in other members' eligible medical bills. They also encourage and lift one another up in prayer.
Life insurance helps to financially protect a family if the wage earner passes or if a stay-at-home parent passes. Life insurance also can protect a business if an owner or partner passes. There are life insurance policies available that can help families where an insured needs long-term-care. Plans are available that provide equity in the policy as time goes on, or there are policies that provide protection for a specified period only.
SMALL BUSINESS INSURANCE
We are able to help small business owner's with small group health insurance (could be just two employees), supplemental group insurance, liability insurance and worker's comp insurance.
PERSONAL PROPERTY INSURANCE
Home owners, renters, auto, motorcycle, and recreational vehicles such as ATV's, RV's boats. If you've an accident or traffic tickets, we can help - give us a call.
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