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Life Insurance
Life Insurance is a contract between the insurance company and you. In exchange for payment of premiums, the insurance company pays a sum of money to your named beneficiaries when you die.
There are two basic types of life insurance - term insurance and permanent insurance. Term insurance covers you for a fixed amount of time. Term insurance is generally cheaper to purchase. Permanent insurance can cover you until the end of your life and can build up cash value over time.
Life insurance coverage should meet your needs and provide you with peace of mind.
Individual Health Insurance
Individual Health Insurance is for anyone who is self-employed or does not have employer-sponsored or government-administered health coverage. Individual eligibility may also extend to people who are employed by a small business that does not provide health insurance benefits. Enrollees also include people who retire before they are Medicare eligible but need health coverage until they reach age 65.
The Affordable Care Act (ACA) allows you to find health insurance plans even if you have pre-existing conditions.
Contact us today to see if you qualify for ACA or an ACA government subsidy.
Medicare
Primarily, there are two times a year that you can select Medicare options: when you age-in to Medicare, and during yearly open enrollment.
You can choose the following Medicare options:
• Original Medicare which includes Medicare Part A (Hospital Insurance) and Part B (Medical Insurance).
• A separate Medicare Drug Plan to get Medicare drug coverage (Part D).
• Supplemental coverage to help pay for out-of-pocket costs in Original Medicare (like your 20% coinsurance).
Medicare Advantage Plans
Medicare Advantage is also known as “Part C.” Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D.
In most cases, you’ll need to use doctors who are in the plan’s network. Medicare Advantage plans may have lower out-of-pocket costs than Original Medicare. Additionally, plans may offer some extra benefits that Original Medicare doesn’t cover—like vision, hearing, and dental.
Medicare Supplement
Medicare Supplement is also known as Medigap. These policies are sold by private companies. While Original Medicare pays for much, it does not pay for all service. Medigap can help pay some of the remaining health care costs for covered services and supplies, like copayments, coinsurance, and deductibles.
Medicare Prescription Drug Plans
Medicare drug coverage (Part D) helps pay for prescription drugs. Even if you don’t take prescription drugs now, you should consider getting Part D coverage. The coverage is optional and is offered to everyone with Medicare. If you decide not to get Part D coverage when you’re first eligible, and you don’t have other creditable prescription drug coverage (like drug coverage from an employer or union) or get extra help, you’ll likely pay a late enrollment penalty if you join a plan later.
To get Medicare drug coverage, you must join a Medicare-approved plan that offers drug coverage. Each plan can vary in cost and specific drugs covered.