Protecting the ones you love.
We represent a broad range of products and carriers for group employee benefit programs.
We are here to help you navigate the world of Medicare – our first step is to help you understand the components of Medicare and explain all your options in order to assist you in making an informed decision on what coverage you need.
Medicare Part A (Hospitalization) has an annual deductible that will be your responsibility for hospital expenses. Medicare Part B covers all other services such as doctor visits, outpatient surgery, lab tests, diagnostic tests, etc. After you have met an annual deductible, Medicare then pays 80% of the eligible amount and you are responsible for the 20% in addition to the deductible. To cover the deductibles and/or coinsurance you have the option to enroll in a Medicare Supplement Plan and Prescription Drug Plan or enroll in a Medicare Advantage Plan.
Medicare supplement plans generally cover the “gaps” that Medicare A & B do not cover such as deductible and coinsurance. Since Medicare supplement plans do not provide Prescription Drug coverage you would need to enroll in a Medicare Part D Prescription Drug plan – this coverage is available through a variety of vendors.
Medicare Advantage plans are administered by insurance companies with oversight by the Centers for Medicare and Medicaid Services. A Medicare Advantage Plan takes the place of Medicare A & B (but you still need to be enrolled in Medicare A & B and pay for Medicare B) – most Advantage plans include prescription drug coverage and most also offer limited dental & vision coverage.
Still actively working full time at Age 65 – we will help you understand your options if you still have employment-based group health coverage available to you.
Term Life Insurance options allow you to pay regular premiums for a set period and the policy only pays out if you die during this period, making it the most affordable plan. Your premium will not increase during the guaranteed policy period (term) you elect.
Our Whole Life Insurance plan is designed for you to pay premiums until you die at which time the policy pays out to your beneficiary. It does build some cash value which you can take out while you are still living.
The Universal Life plan, similar to the Whole Life plan, enables you to pay premiums until you die but you have more flexibility with taking cash values out early.
The Group Life Insurance plan helps protect your employees and their families at very competitive rates. If you have other employees to recognize in your decision, this is a great option to cover your bases. Buy-Sell Life and Key Man Life are also available for your business depending on your needs.