Protecting the Future Means Protecting the Present

Medigap also known as Medicare Supplements, Part D is prescription drug, Medicare Advantage

Baby boomers are turning 65 every day, Medicare may be overwhelmed with callers. We take pride in helping seniors find the correct Medicare plan for their needs. Our licensed agents Certified annually in Medicare products and can walk you through the enrollment process effortlessly. We revisit your current plan options at each Annual Enrollment Period (AEP occurs annually from October 15th - December 7th).

With an ever-changing market in the health insurance industry, finding the balance that meets your needs and still fits into your budget is what we do. We ask the right questions to find that balance. We are built upon a tradition of integrity, industry leadership, and excellence, we are committed to delivering tailored benefit solutions, strategic planning, professional services, and value-based solutions weather it be for an individual or an employer. We also offer Ancillary Products include dental, vision, short-term & long-term disability, cancer, final expense policies are added value products that can also be purchased. Contact one of our licensed agents for details and pricing. Annual Enrollment Period for (Marketplace (ACA) is November 1st through December 15th).

Life insurance protects an individual against death. If you have life insurance, the insurer pays a certain amount of money to a beneficiary upon your death. You pay a premium in exchange for the payment of benefits to the beneficiary. This type of insurance is very important because it allows for peace of mind. Having life insurance allows you to know that your loved ones will not be burdened financially upon your death. Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; common examples are claims relating to suicide, fraud, war, riot, and civil commotion.

Life-based contracts tend to fall into two major categories:

Protection policies – designed to provide a benefit, typically a lump sum payment, in the event of specified event. A common form of a protection policy design is term insurance.

Investment policies – where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms (in the U.S.) are whole life and universal life.

Yearly eye exams can detect early onset of glaucoma, cataracts or other diseases of the eyes. Vision insurance isn’t legally required, like health insurance or car insurance, and it isn’t necessarily a critical part of your financial safety net, like life insurance. 

A few things you’ll need to keep in mind when selecting your vision insurance:

The basics you need. Eye exams, eyeglasses, and contacts are some of the staples of eye-care. But the discount or allowance you receive will depend on the plan you choose. You’ll also have to decide where you’ll get these items; as you’ll see, the frames and lenses may be separate costs at some retailers, and you’ll be able to get contacts at some retailers but not at others.

Additional enhancements. Glasses seem pretty straightforward, but when you get into progressive lenses, trifocals, transition lenses (that turn from cool sunglasses outdoors to standard glasses indoors), anti-glare lenses, impact-resistant lenses, metal frames, and more, you can see that there’s a lot out there. These extras will often cost more, and they may not always be covered by your plan.

Elective procedures. Most medically-necessary concerns are covered by your health insurance, but nice-to-have procedures like LASIK and PRK fall under your vision insurance. These can be pricey and your plan almost certainly won’t cover the full cost, so see what coverage you get before you elect to go through with them.

Did you know that oral health is vital to the overall health of your body? Infections and bacteria of the mouth can lead to disease and disorders of your internal organs.  

Dental insurance is important because:

Preventive care is often covered, which saves you money: By seeing your dentist regularly, you can catch dental problems before they get too serious and require more extensive and expensive procedures.

If you’ve been skipping your biannual dental exams and have any of the following problems, call your dentist and make an appointment right away:

 *You have tooth pain or you’re sensitive to hot and cold.

    *Your gums are red, puffy and bleed when you brush your teeth.

    *You have a bad taste in your mouth and your breath is consistently bad.

    *Chewing and swallowing are difficult.

    *You have sores or spots in your mouth that won’t go away.

    *You have a chronic medical condition such as diabetes, HIV or cardiovascular disease.