How easy is it for our children’s identity to be stolen?
So I am posting this today because my nephew was recently trying to add an app to his iphone. We are not sure what he clicked on but it asked
Health Products
Helping you to make educated decisions about your healthcare is our priority
We offer a wide range of health insurance plans for individuals under or over 65.
Individual Healthcare
Health Insurance can be very confusing to navigate these days. For those who need an individual policy that are under 65 have two options. If you are healthy and do not have any preexisting conditions, you may want a short-term plan. These can be less expensive and have a higher deductible. A traditional plan can be enrolled on the Marketplace. This may give you an option of receiving a discount based on your income and household size. We have an application that asks for all the information you would need to apply. Once you fill that out it will go directly to our email and we can schedule a consultation.
For a quick quote or to see if you qualify for a discount on marketplace
To navigate one of our short-term carriers, click on the link below:
See if you qualify for a healthcare reduction
Traveling soon, get a quick quote for health coverage while you are away from home
Dental coverage
We can offer a wide variety of dental products for the individual or the business owner that would like to offer dental benefits to their employees.
Some benefits of the various plans that we can offer:
- NO WAITING PERIOD FOR PREVENTATIVE, BASIC OR MAJOR SERVICES
- VISION RIDER AVAILABLE
- GUARANTEED ISSUE
- LARGE NATIONAL NETWORK
- UP TO $ 2,500 ANNUAL MAXIMUM BENEFIT
- 2 FREE CLEANINGS, EXAMS AND X-RAYS PER YEAR
For an individual or family dental quote
Click here
For an individual or family dental quote
Click here
For an individual or family vision quote
Click here
Senior Health Products
If You are turning 65, choosing a medicare plan can be a bit confusing. We are here to answer all your questions and provide you with the best possible quote for your needs. We have access to all of the top carriers for a solution and for a drug plan. If you have not applied for your red, white and blue card, contact your local social security office or go their web site. You can often apply for this online! If you have 401K or an IRA to rollover as you retire, our Wealth strategies division can help with that as well.
With the higher healthcare premiums and deductibles, Supplemental Insurance is becoming increasingly popular. These plans can help to cover some of the expenses of those deductibles if something happens, especially catastrophic. By purchasing a supplemental policy, it often may allow for deductibles to be higher so that monthly premiums are lower.
We can also offer individual short term or long-term disability, cancer, hospital, accident, Long Term Care, catastrophic and short-term health plans.
I have provided some information to help you understand how medicare works. Every situation is different so contact us for a private meeting.
Donut Hole (Drug Plans)
Donut Hole (Drug Plans)
Most Medicare drug plans have a coverage gap (also called the “donut hole”). This means there’s a temporary limit on what the drug plan will cover for drugs. Not everyone will enter the coverage gap. The coverage gap begins after you and your drug plan have spent a certain amount for covered drugs.
In 2023, you’ll enter the donut hole when your spending + your plan’s spending reaches $4,660. While in the coverage gap, you are responsible for a percentage of the cost of your drugs rather than a copay. You leave the donut hole – and enter the catastrophic coverage level – when your spending + manufacturer discounts reach $7,400.
For more specific information about medicare, please visit www.ssa.gov/benefits/medicare
Medicare Options
Medicare Options
- A Medicare Advantage Plan, also known as Part C, combines Part A and Part B as a replacement to Medicare for more comprehensive health care coverage. This plan can be customized with additional coverage, such as a prescription drug program (Part D), vision and dental.
- A Medicare Supplemental Plan, also known as Medigap, has a higher premium but supplements the coverage gaps and deductibles that Part A and Part B leave
Medicare Explained
Medicare Explained
Part A (hospital insurance): Covers hospital care, emergency services, nursing home care, home health services and hospice.
Part B (medical insurance): This will have a deductible of $226 for 2023. It covers medically necessary services and supplies used for diagnosing and treating medical conditions, and preventative services for illness prevention and/or early detection. Examples include ambulance services, mental health care, outpatient procedures and clinical research.
Part C: Combines Parts A and B and often part D as well.
Part D: Offers prescription drug coverage.
Recent Blogs
When was the last time you thought about why you need life insurance?
We have multiple options for Life insurance including guarantee issue policies with living benefits! Call our office today for a quote! 402-205-8388
Did you know? Employee Benefits
Did you know we offer Employee Benefits! And it is currently open enrollment. You have until December 15th to get coverage starting January 1st! Open enrollment is open until January
Cybersecurity!
COWBELL PRIME 100 Cowbell Prime 100 deliver essential cyber insurance protection with simplicity and speed: What’s unique about Cowbell Prime 100 VALUE TO POLICYHOLDERS With Cowbell Cyber, policyholders not only
Cybersecurity Awareness Month
Cybersecurity Awareness Month, every October, is a collaboration between government and private industry to raise awareness about digital security and empower everyone to protect their personal data from digital forms
Healthcare
Open Enrollment for 2023 runs November 1, 2022–January 15, 2023 Starting November 1, you can log into HealthCare.gov, fill out an application, and enroll in a 2023 Marketplace health plan.