Products

If you’re enrolled in a Medicare Advantage plan, Medicare services are solely covered through the private company and aren’t paid for under Original Medicare. Medicare Advantage comprises a variety of private health plans, most often HMO’s (Health Maintenance Organization) and PPO’s (Preferred Provider Organization). Every plan must cover all the same benefits that traditional Medicare covers. But the plans can charge different co-payments and offer extra benefits. Many of the insurance companies that offer these plans charge a monthly premium in addition to the Part B premium, but some don’t. Please call to learn more.

Medicare supplemental coverage works with Original Medicare to pick up the 20% not covered by Original Medicare. In order to obtain Medicare supplement insurance, you must have both Part A and Part B of Original Medicare. Medicare Supplement insurance is comprised of several Standardized plans in which you pay different premiums to each private carrier. Each plan is exactly the same, the only
difference is the cost. Because we are an independent agency we have access to multiple Medicare Supplement companies and plans, so we can truly find the best possible plan and price for your unique situation and needs. Call today to have your needs assessed.

Fixed annuities prevent losses. You are typically guaranteed that the value of your principal will not go down regardless of what the stock or bond markets do. When the market index goes down, a fixed index annuity will not go down in value. Your original principal is protected AND any credited interest is protected. Because of this, fixed index annuities are known as conservative financial products. They do not put your money at risk in the market and provide peace of mind that your retirement is protected. Call today to learn more.

Long-term care insurance covers you in your own home, an assisted living facility or nursing home. You become eligible for a claim when you need assistance with any 2 of the 6 activities of daily living which are: eating, toileting, moving from one place to another, dressing, bathing or continence–or if you get Alzheimer’s or dementia. Please call to learn more