HEALTH PRODUCTS

Health Products

Marketplace Application

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(The application will automatically be directed to our email for you!)

For quotes on non-traditional plans such as short term or catastrophic plans,

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Healthcare

The Affordable Care Act open enrollment is when anyone can buy an Obamacare health insurance plan, without restriction.

SPECIAL ENROLLMENT :

Anyone wanting to enroll outside of the specified dates would need to qualify for “special enrollment” period due to a life event :

  • Loss of coverage within 60 days due to employer sponsored coverage
  • Moving
  • Marriage or Divorce
  • New baby

Documentation must be provided.

To get a fast quote, see if you qualify for a subsidy, or enroll in a traditional healthcare plan,

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Dental

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

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For an individual or family vision quote

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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 and 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 private meeting.

1. 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.

2. 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 behind.

  • Part A (hospital insurance): Covers hospital care, emergency services, nursing home care, home health services and hospice.
  • Part B (medical insurance): 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.

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 2022, you’ll enter the donut hole when your spending + your plan’s spending reaches $4,430. And you leave the donut hole – and enter the catastrophic coverage level – when your spending + manufacturer discounts reach $7,050. Both of these amounts are higher than they were in 2021, and generally increase each eyar.

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