ACA Special Enrollment Periods for 2018 Now that the health insurance Annual Enrollment Period (AEP) has ended for 2018, the only way to purchase individual or family coverage is to have a qualified life event: lose your coverage at work, age off of a parent’s policy (age 26), get married, get divorced or legally separated, […]
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Medicare for all is not the healthcare cure-all. Presently, most people pay Medicare payroll taxes all of their working years and still pay $109 up to $428 monthly for Medicare insurance at age 65. An individual who has not paid into the system (unless a qualifying spouse or child) currently pays over $800 per month
Wrong Prescription for Healthcare Read More »
Most job seekers are looking for a company that offers benefits to their employees. When employers are seeking top talent, it’s to their advantage to offer a package of perks, including group health insurance. We work with employers to design a competitive package, often including voluntary benefits an employee can have payroll deducted. Such offerings
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Healthcare is expensive and the insurance that helps pay for provider services is likewise expensive. Increased use of doctors and medical facilities, the demand for the newest technology and expensive medications, and our desire that our ailments be “fixed now” drives up the cost of healthcare. Defensive medicine is another cost driver as physicians may
Nonpartison Healthcare Read More »
Planning for extended care takes time and dialogue. We recommend you look at and consider long-term care insurance because if you or a loved one needs extended care, the family is compromised. Caregiving becomes all consuming. Extended caregiving is a life-changing event. Family relationships become strained. While everyone makes efforts for a loved one to
Why do I need to look at long-term care insurance? Read More »
Explaining insurance and helping with claims issues that may come up after an illness is what professional licensed agents have done for years. We are here to help our client. Now that many consumers go through a government maze to select a health insurance plan, or make changes to their plan, customer service is vanishing.
Turning 65? Turning 65 introduces new healthcare choices, many quite confusing. Do you need a Medicare supplement, or a combo plan called Part C? Which Part D (drug) plan would best cover your medications? How can you best learn what is right for you? Talk to or visit a licensed and experienced professional insurance agent–
Life Happens… and we happen to sell life insurance. There is nothing more important to a spouse or child than financial security after the unexpected death of the breadwinner. We can help plan your family’s future and their protection using life insurance and/or annuity. To learn more about your options please call us for a
