Senior Insurance Products
We’re the Senior Insurance specialists!
We specialize in all types of senior insurance products. Whether you need assistance with Medicare insurance (including those under the age of 65 entitled to Medicare due to disability), Long Term Care insurance, Prescription Drug coverage, Dental or Final Expense insurance, we’re here to guide you through the process of finding the best possible coverage for your needs.
Here are a few ways we help our local seniors:
Medicare Supplement, Advantage, and Prescription Drug
Medicare is one of the most complex healthcare systems to understand because there are rules, regulations, deadlines, penalties, compliance, and other things that make it nearly impossible for the average consumer to comprehend. Luckily for you, we’re well versed in Medicare, and our expertise guidance will help to determine the best route for you to take when it comes to your Medicare health coverage.
With Medicare, not fully understanding your options can be costly, so it’s important to consult with an independent agency like us, who can give you reliable and unbiased advice.
We’ll help you understand things like the difference between Original Medicare and Medicare Advantage, what the Medicare Part D Doughnut Hole is, and why you may need a Prescription Drug plan even if you don’t take any prescription drugs. These things, along with the excessive amount of mail, emails and calls you receive from countless sources, tend to confuse and overwhelm those approaching Medicare eligibility. We want you to understand your options and will clear up any confusion and simplify things for you.
Long Term Care (LTC)
Many people get overly concerned with their health insurance and/or Medicare, but it’s lack of Long Term Care coverage that often times will financially cripple you. Long Term Care expenses are the leading cause of bankruptcy during retirement, and the statistics show that over 75% of people over the age of 65 will need some form of Long Term Care at some point during their retirement.
It’s not a matter of if you will need Long Term Care it’s when, and with the cost of Long Term Care inflating at record pace, not planning ahead will result in serious financial hardship at a time when you are supposed to be living out the rest of your life in peace.
When most people think of Long Term Care insurance, they think of a traditional LTC policy, however there are several different ways to fund long term care outside of the typical LTC policy.
With more creative and flexible insurance products on the market now, it’s important to evaluate every single option you have, and thats exactly what we can help you do, so you can live the rest of your retirement knowing that you won’t be financially destroyed, or financially destroy someone else like a child or relative.
How to get started on your quote
To get started on your quote, call our office or click over to our quotes page.
Either way we’ll make the process simple!