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Health
Insurance
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PCP / Specialist / Urgent Care Visits
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Hospitalizations
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Emergency Room Visits
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Surgeries and Procedures
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Maternity
Health Insurance coverage doesn’t have to be difficult to understand. All policies cover the following (After meeting deductibles and Out of Pocket Max):
You can also add supplemental policies such as:
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Dental and Vision
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Accident or Critical Illness
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Disability
Life
Insurance
Life insurance is a crucial step in planning for your future and the future of your loved ones.
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Life Term Insurance provides life insurance protection for a specified period of time. Term life is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.
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Whole Life Insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy.
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Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.
INSURANCE
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Medicare Supplement Plans help you pay expenses that Original Medicare does not pay such as deductibles, coinsurance, etc.
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Medicare Supplements help you pay Part A Deductible ($1,288 per benefit period) and Part B Deductible and Coinsurance ($166 per year and 20%).
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Most popular plans are Plan F, G and N.
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With Medicare Supplements you can go to any provider that accepts Medicare.
The insurance protection you need when you turn 65:
Medicare
Insurance
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Medicare Advantage (MA or MAPD) Plans with low or no premium may offer additional benefits not included with Original Medicare.
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MA and MAPD plans have Maximum Out of Pocket so members know what their maximum risk is in the worst case scenario.
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With MAPD you get prescription coverage with the plan.
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MA and MAPD offer provider networks.
