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Making the Right Choices in Health Care for Individual, Small Business & Medicare

When you are looking for health insurance there is a myriad of choices and options. If you have rarely used your insurance program it can be even more perplexing. We can explain the options and give you unbiased information.


We Provide Personal Service

Not only do we provide the most up-to-date information, but you will get service. Service is our key commitment and what separates us from others. You won’t just hear from us once a year. We will be there year round, reviewing your plans, and making sure you are protected with the latest health care coverage.

Health insurance is meant to help you manage risk in illness and accidents. So don't wait until you find out your insurance doesn't have the coverage you need. Call us today! We can provide you with a free review of your current health plan and get you on your way to managing your risk and protecting your assets.

Medicare Insurance

Original Medicare: Verdana; font-size: 12px">provides Medicare Part A and Part B covered services, is managed by the Federal government. When you receive health care services or supplies you generally first pay a fee, such as a deductible. Once that is met then Medicare pays its share, generally 80%, and you pay your share, called “coinsurance” - usually 20%.

Important Facts About Your Health

 

Dental: Increasingly, research is recognizing the important links between oral health and overall health. Your health actually goes through your mouth. Oral health preventive care can help improve your overall health. Links between the two are associated with diseases such as diabetes, premature births, suppressed immune system, cancer and etc. Regular visits to a dentist can assist in keeping your loved ones healthy. Check your benefits or inquire about securing new benefits for your family.

 

Optical: Ocular health contributes greatly to the ability for a longer lifespan, the importance of vision with regards to a longer lifespan connects to your overall health. Being deprived of good vision could have negative effect on your economic, mental and possibility social capabilities. As we age, our sight seems to decrease and we could look for assistance for some of the simple daily living activities. Seeing a optometrist on a regular schedule will help you live a long healthy life.

 

Long Term Care: After reading the above descriptions, in retirement the need for health, dental, optical insurances can only proceed so far. We are living longer, the need for assistance will get greater. Having choices to make the best decisions for you, not an institution, is the way it should be. If you have a long term care policy, when was the last time it had been reviewed? Does your policy have some of these characteristics: inflation protection, extension of benefits rider, zero-day elimination period for home care,

elimination period for home care, informal care services (that do not have to be through a licensed agency). We invite you today to contact us for a real look at some very good products that could benefit your life.