Insurance Offerings

Healthcare

Do you want to protect your health and wealth? You have come to the right place. Navigating the maze of healthcare insurance options can be overwhelming. The decisions that you make today will have a legal and financial impact on your future. That’s why I’m here – to help you direct and protect your hard-earned money.

Affordable Care Act (Obamacare Covered California)

Let’s address the elephant in the room right away.
Yes, I said it y’all, Obamacare, aka The Affordable Care Act. Republicans might call Obamacare a term of affection, while democrats may say it has negative connotations. No matter what you call it, or what political side of the fence you are on, it’s important that you know what it can do for you!

So ignore all of the chatter around the water cooler and let me fill you in on what you need to know! I’m sure you have a lot of questions!

Looking for health insurance for a young adult turning 26?

Right now you are probably thinking:

  • When and how do I apply?
  • Do I go on or off the exchange?
  • Will I be penalized for not obtaining health insurance?
  • What do I do if I can’t afford my companies insurance?
  • Can I get help with my premium?
  • Who can assist me with all of this?

That is where I come in…so let’s get started!

Medicare

Taking the Mystery out of Medicare

Medicare can be very confusing, there’s no question about it. That’s what I’m here for. Medicare pays for 80% – I care how you pay for the rest! I make it easy for you to understand, help you figure out your options, when to enroll, what will be covered and so much more! And the best part is, you don’t pay any more or less to have me as your advocate!

Medicare Specifics

What Does Medicare Cover?

This is where things can start to get confusing! So, in my “Remove the Confusion Workshops” I take the Mystery out of Medicare by breaking it down as follows:

MEDICARE HAS 4 PARTS:

  1. Hospital, Skilled Nursing, Hospice, etc.
  2. Doctors, Outpatient, Ambulance, etc.
  3. Medicare Advantage Plan
  4. Prescription Drug Plan

MEDICARE HAS 3 OPTIONS:

  1. Original Medicare (Part A & Part B) OR
  2. Original Medicare (Part A & Part B) PLUS
  3. Supplemental Coverage (Medigap – see below) AND/OR Prescription Drug Plan (Part D).

Medicare Advantage Plan (Part C, like an HMO, PPO, MSA, PFFS, etc.): Most times, these plans include Part D and can include other services that Medicare doesn’t cover (dental, vision, transportation, acupuncture or chiropractic care). Deciding on a Medicare Advantage Plan? Check out this great ARTICLE on a few mistakes to avoid!

Life Insurance

Insurance can, and should be, much more then something that pays out when someone has died. There are many plans I present to clients that turn your life insurance into a significant part of your retirement package. It also can be used as a significant source of extra income for the surviving family when the right amount of coverage is purchased.

As a licensed life insurance agent, I believe that protecting your family is an important part of any financial strategy one considers.

There are many traditional arguments for why one needs to carry a life insurance package as a part of their family financial management plan.

Dental Insurance

But You Do Have Options!

Some Medicare Advantage plans (Part C, like an HMO, PPO, MSA, PFFS, etc.) include routine dental. Visit my Medicare Page for more information about the Advantage Plans.

Individual Dental Insurance – this works pretty much the same way as your health insurance. You pay a monthly premium in exchange for dental benefits, which typically include: cleanings, exams and x-rays. Some plans cover more than others and some require higher out-of-pocket co-pays at the time of the appointment.

Turning 26 Plans

Give your adult “child” the BEST 26th birthday present – The gift of Healthcare! Are you about to turn 26 years of age and worried that you won’t have healthcare coverage? Do you have a young adult “child” who is 25 years of age and has been receiving healthcare benefits under the Affordable Care Act from your policy, but now time is ticking and needs to have a policy of his/her own?

I can help you find a healthcare plan that suits your needs and budget without the hassle! Connect with me to learn more!

Click here for informational resources for “turning 26” healthcare.

Long Term Health Strategies

Project and Protect

Working together, we can assess your immediate or potential future need for long term care coverage and calculate the costs of funding those requirements. We can strategize together on the most cost effective and comprehensive coverage you may need. This will include exploring options of private Long Term Care Insurance, Accelerated Death Benefits (ADBS), Combination Policies (Life Insurance/Long Term Care Insurance), Annuities and other tools.

Bottom line, I want to help you protect your financial assets by mitigating the risk of excessive costs of long term care. A Long Term Care Strategy should be an essential part of your financial planning.

Travel Insurance

I can’t prevent natural disasters, health issues, government edicts, thieves from stealing, or airline/cruise ship cancellations. But, I can help you regain your monies in the event of such circumstances through a solid travel insurance policy. Let me help put your mind at ease when it comes to insuring your travel investment is protected, even if your wallet is stolen abroad!

Vision Insurance

I now offer comprehensive vision care plans via VSP, click here to learn more.

You’re probably wondering:

  • Wait a minute, I have health insurance so aren’t I already covered for routine vision exams?
  • What about Medicare and Obamacare? Do they include vision coverage?

Unfortunately, Medicare DOES NOT cover routine eye exams, glasses or contacts. However, Medicare (Part B) will pay for:

  • Cataract surgery
  • One pair of glasses or contacts following cataract surgery
  • Yearly glaucoma tests for people at high risk
  • Yearly eye exams for people with diabetes

If you don’t fall into one of these categories? DON’T WORRY! You can still get vision coverage! I will help you find a Medicare Advantage Plan that covers the vision services you need!

What About ObamaCare and Vision Insurance?

The Affordable Care Act or Obamacare DOES NOT provide vision coverage for adults. However, Qualified Health Plans sold on the Marketplace DO include pediatric vision coverage.
So, eye exams and glasses for kids are covered.

You can purchase a Stand-Alone Vision Plan from companies that are not able to offer their coverage through the state insurance exchange marketplace. Y’all, I know this may seem confusing…but that is what I am here for! I will help you sort it all out and choose the vision coverage that’s best for you!

Voluntary Insurance

Below are some voluntary benefits that you may want to consider. There are many options with a variety of levels of coverage.

Disability: Frightening isn’t it? Now you know why it’s important to consider Long-Term Disability Insurance!

Long-Term Disability (LTD): This type of plan insures that you will still get paid a percentage of your salary if you are disabled due to sickness or injury. Typically LTD is provided by your employer, but if not I can help you purchase an Individual Long-Term Disability Plan.

Cancer Insurance: Treatments, Long-term care, Home Healthcare, Travel to treatment facilities, Home healthcare, Child Care, Out-of-pocket expenses.

Critical Illness Coverage: Even if you have health insurance a critical illness can devastate your finances and family. Critical illness insurance offers financial protection if you are suddenly dealing with a health crisis.

While covered illnesses vary by carrier, most cover: Heart Attack, Stroke, Kidney failure. Most insurance companies offer a lump-sum cash benefit, while some will pay a specific amount for different expenses.

Hospital Indemnity: Hospital Indemnity Insurance could be a financial lifesaver during times you are confined to a hospital. Insurance companies typically pay a lump sum that can be used toward your hospital stay, deductibles, co-pays or any way you see fit!

Accident Insurance: You certainly don’t want to discover that you are under-insured after an accident or injury.

Plan ahead and expenses like these may be covered: Hospital stays, Medical exams, Transportation, Lodging, Emergency Treatment.