Our Services

Medicare Health Plans

Medicare Advantage plans are designed to be “all in one” plans, covering hospitalization, doctor’s office visits, prescriptions, labs and diagnostic tests, plus other unique benefits that vary between plans and carriers, like eye exams and glasses, gym memberships, and transportation to and from medical appointments.

Medicare Supplement plans are primarily designed to offset some of the costs not covered by Medicare alone, and are considered secondary insurance. The plans are standardized, meaning that all benefits are uniform regardless of carrier. Premiums, however, will vary. Medicare Supplement plans do not require you to see doctors from any specific network, as long as the doctor you choose accepts Medicare. Medicare Supplement plans do not include prescription drug coverage, so they are typically paired with a Medicare Part D plan to cover medications.

Prescription Drug Plans are the Part D of Medicare established to help cover the costs of prescription drugs. Part D is separate from Original Medicare Parts A and B.  It can either be purchased by itself or bundled into a Medicare Advantage plan. Prescription Drug Plans are provided by private insurance carriers that are contracted by Medicare.

Life Insurance

Insurance transfers the financial risk of life's events to an insurance company. A sound insurance strategy can help protect your family from the financial consequences of those events. Your beneficiaries can use the money for whatever purpose they choose.

Long-term care insurance is coverage that provides nursing-home care, home-health care, and personal or adult daycare for individuals age 65 or older or with a chronic or disabling condition that needs constant supervision. LTC insurance offers more flexibility and options than many public assistance programs, such as Medicaid.

Keeping a healthy set of teeth is more important than you might think, as many diseases and conditions (including diabetes, respiratory disease, osteoporosis, and cardiovascular disease) have direct correlations to dental health.  Protect your smile with affordable dental plans from various carriers. We'll help you choose the right plan for you and your family.

Why is a retirement plan so important? Because it gives you a clear path to success. It inspires you to take action. So take some time to sit down with your spouse, maybe meet with a qualified investment professional, who has your best interest and start a plan. The sooner you start planning for retirement, the faster you’ll be able to make progress.  If you don’t have a Financial Advisor, I can help.

Final expense insurance is a whole life insurance policy or modified whole life insurance.  It is also referred to as “funeral insurance,” or “burial insurance.  This insurance policy is primarily intended to cover expenses incurred by loved ones at someone’s death, including funeral costs, taxes, and settling any remaining debts