Services

I assist Indvidual's and families attain and understand their health insurance options.  Working with the state marketplace (AHCT/MAHC) or off exchange.  Working within the marketplace typically yields tax subsidies for individuals who qualify.  Off exchange has greater variety and all carriers available privately in your state

Medicare Advantage, Medicare supplements and more.  There tends to be a lot of confusion when it comes to Medicare.  It requires diligence to maintain proper licensing year to year.  You must be both a student and teacher to provide the most current details of Medicare, as rules and programs change often.  This service I provide to my clients is the most rewarding. It makes me feel amazing to help a senior on limited income save money with the proper plan or help them attain state assistance when eligible.

Having group benefits is an investment into your company. Business's small or large are all competing for the same workforce and health benefits matter. Most potential new Hires when asked will state that Health insurance coverage was a contributing factor in selecting a new employer. Now more than ever Health insurance coverage is an important feature that potential new workers hope to gain while looking for employment.

As an independent agent we have contracts and appointments with multiple carriers. How does this help you? This helps to partner up clients with the best options for a client's specific needs, age and health criteria. When working with an independent agent, after getting to know your needs for insurance we can quote with many companies at once. This process yields you the best rates and products.  Whole Life, Simplified Issue, Term.  I always advice on a what your actual need basis is, which keeps it affordable.

Dental is the most popular ancillary product.  Dental insurance is much more involved than one might think.  Waiting periods, exclusions and clauses are things you always want to be aware of.  There are typically no enrollment periods for Dental and it can be added or dropped whenever you chose.  Knowing what you need is very important.  Just routine cleanings easy enough but stacking dental products to get the most coverage available for upcoming work can get tricky. We can work on the best solutions for you.

Hospital Indemnity, Critical Illness, Accident, LTC.  Most ancillary products can be used to fill the gaps in coverage you may have with your major medical.  It could be used to cover max out of pocket expenses for both under 65 and Medicare eligible.  Most people think of Aflac when they think of ancillary products but there are many insurance companies that offer programs.  The best thing to do is structure these benefits to work in addition to what you already have