Together, we can find the ideal protection tailored to your needs.

Discover a range of tailored plans designed to meet your insurance needs. Trust me to be your go-to resource for reliable and comprehensive support. Let's secure your peace of mind together!

MEDICARE PART C:

Medicare Part C is also called Medicare Advantage (MA or MAPD). It’s an alternative to Original Medicare. Medicare Advantage may include prescription drug coverage, along with other extra benefits. It is offered through private insurance companies, so you don’t enroll in it at the Social Security office or website. These are usually network plans such as HMO's and PPO's with copayments and coinsurance found all throughout the plan based on services rendered. If you have an MA plan then this becomes your Primary Insurance and Original Medicare gets set aside but you will still need to continue paying your Part B premiums.

MEDICARE SUPPLEMENTS

Original Medicare pays for many, but not all, health care services and supplies. Medicare Supplement Insurance (Medigap) is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in Original Medicare, like copayments, coinsurance, and deductibles.

If you have a Medigap policy and get care, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then, your Medigap policy pays its share. You pay the private insurance company a monthly premium for your Medigap policy in addition to the monthly Part B premium you pay to Medicare.

MEDICARE PART D:

Medicare Part D is your prescription drug coverage. Part D coverage is available as a Stand Alone Option (PDP) or as part of a Medicare Advantage plan (Part C). Part D plans are offered by private insurance companies contracted and approved by Medicare and it is mandatory that you have credible drug coverage when you join Original Medicare or if you choose a Medicare Advantage plan.

To learn more about the options of having Original Medicare with a Supplement and Drug Plan OR choosing a Medicare Advantage plan, please click one of the buttons below. You can also always press the "Click to Call" button above to reach us today!

TERM LIFE INSURANCE

Insurance acts as a safeguard, allowing you to transfer your financial risks to someone else. When considering this transfer, it's vital to choose an option that is both effective and budget-friendly. This is why I firmly believe that Term Life Insurance is the superior choice over Whole Life Insurance. With Term Life, you can secure essential coverage while keeping costs low, ensuring you get the best value for your peace of mind. Make the smart choice—protect your loved ones without breaking the bank.

INDIVIDUAL HEALTH INSURANCE

Everyone hopes to stay healthy, but unforeseen illnesses and injuries can happen to anyone. With health insurance, you gain peace of mind knowing that your medical expenses will be covered, shielding you from potentially overwhelming costs. Invest in your health and financial security by ensuring you're protected when it matters most.

FINAL EXPENSE

A final expense life insurance policy, also known as burial or funeral insurance, is a type of permanent life insurance designed to cover the costs associated with someone's passing, such as funeral expenses, medical bills, and outstanding debts. 

These policies typically offer smaller death benefits compared to traditional life insurance, ranging from $2,000 to $50,000. The death benefit can be used for any purpose, not just funeral expenses. 

Final expense insurance can provide peace of mind for both the insured and their loved ones, knowing that end-of-life expenses are covered.