Your retirement,
   Your healthcare,
      Your way

Your retirement,
Your healthcare,
Your way

We make shopping for insurance easy; pick and purchase your plans on your own, or contact us for as little or as much help as your desire.

Medicare only pays about 80% of your medical and health care costs. The remaining 20% is up to you. Adding a Medicare Supplement plan or electing for a Medicare Advantage plan, a stand-alone Part D, or combined Medicare Advantage Part D (MAPD) are all opportunities to cover your remaining costs, providing for complete coverage.

Medicare

Medicare provides health insurance for people who are 65+ years old or with a qualifying disability or illness. We have plans for every situation.

Indemnity health insurance works much like auto insurance in that you will pay your health insurance deductible before the insurance company picks up the remainder of your bill. This deductible amount will vary based upon the specific type of health insurance policy option you chose.

Dental, Vision, Hearing

These 3 senses are critical when it comes to how we perceive the world around us. You will find these plans under Medicare Supplements, Medicare Advantage, and stand-alone plans.

Medicare only pays about 80% of your medical and health care costs. The remaining 20% is up to you. Adding a Medicare Supplement plan or electing for a Medicare Advantage plan, a stand-alone Part D, or combined Medicare Advantage Part D (MAPD) are all opportunities to cover your remaining costs, providing for complete coverage.

Final Expense

Losing a loved one is difficult. If you would like to take care of your final expenses to ease your loved one’s grief and stress, we have many affordable plans.

With a traditional indemnity health insurance plan, you will be billed based upon usual, customary and reasonable fees (UCRs). These UCR—fixed fee amounts—are set by the insurer and monitored for necessary changes. They base the fee on the procedure and price ranges in the area. The UCR is the amount that the insurance company will pay for a specific disease, illness or medical procedure.

Early Retirement

Eligible for early retirement? Are your healthcare needs covered? Will there be penalties if you pull money from your retirement accounts early?

Medicare provides health insurance for people who are 65+ years old or with a qualifying disability or illness. We have plans for every situation.

Long Term Care

The need for long term care can arise from the effects of aging, from an accident or as the result of an illness. Unfortunately, any of these situations can wipe you out financially if not prepared. Get prepared.

With a traditional indemnity health insurance plan, you will not be limited to choices of health service providers that are within a preferred provider list or network. These limitations are common with a PPO or HMO plan. With many indemnity plans, there are no referrals needed. Also, many policyholders enjoy the freedom of being able to choose any health care facility or doctor they wish.

Indemnity Plans

A healthcare plan that allows you to choose the doctor, healthcare professional, hospital or service provider of your choice.

Medicare only pays about 80% of your medical and health care costs. The remaining 20% is up to you. Adding a Medicare Supplement plan or electing for a Medicare Advantage plan, a stand-alone Part D, or combined Medicare Advantage Part D (MAPD) are all opportunities to cover your remaining costs, providing for complete coverage.

Annuities

An annuity offers you the opportunity to save and accumulate money on a tax deferred basis for retirement. It can also be a way to assure that you do not outlive your retirement savings.

Indemnity health insurance works much like auto insurance in that you will pay your health insurance deductible before the insurance company picks up the remainder of your bill. This deductible amount will vary based upon the specific type of health insurance policy option you chose.

Mortgage Protection

Whether you’re wanting to protect your family in case of an early death, or your mortgage company is requiring it, we have some solutions for you.

Medicare is like a box of chocolates …. you have choices. Let us help you pick the best ones.