Health Insurance

I offer many health insurance plans that help cover doctor visits, hospital services, medical tests, emergency services, prescriptions, and other costs incurred with medical care. I have group plans, individual medical plans, that offer several options for setting up affordable health insurance and getting deductibles, co-payment, that work for your budget. To learn more about your health insurance options please call.

Disability Insurance

Disability Insurance provides monthly income to you as result of your temporary or permanent disability that is a result of an accident or illness. DI Policies may include a short-term waiting period and fixed amount of income for defined period of time. Call today to learn more about options.

Long Term Care

This type insurance policy may help pay for many types of long-term care, including both skilled and non-skilled care. Long Term Care coverage will help protect your assets and provides cost control over how and when you receive the care you need. LTC Policies may include a short-term waiting period, length of period of payments, fixed amount of daily income needed, cost-of-living option, and a paid-up option based on when the policy taken out and how long it enforce. Most long-term care insurance policies do offer some tax benefits under what call Tax-Qualified plans.

Medigap Policy

Medigap policy is a type of private insurance that helps you pay for some of the costs that Original Medicare doesn’t cover.

Medicare Advantage (Part C)

• Offers health plan options run by Medicare-approved private insurance companies
• Medicare Advantage Plans are a way to get the benefits and services covered under Part A and Part B
• Most Medicare Advantage Plans cover Medicare prescription drug coverage (Part D)
• Some Medicare Advantage Plans may include extra benefits for an extra cost

Medicare Part D

To get Medicare prescription drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and drugs covered.

What You Pay for Medicare Drug Coverage

You’ll make these payments throughout the year in a Medicare drug plan:

• Monthly premium
• Yearly deductible
• Copayments or coinsurance
• Costs in the coverage gap
• Costs if you get Extra Help
• Costs if you pay a Late Enrollment Penalty

Your actual drug plan costs will vary depending on:

• The drugs you use
• The plan you choose
• Whether you go to a pharmacy in your plan’s network
• Whether your drugs are on your plan’s formulary
• Whether you get Extra Help paying your Part D costs

Diabetic Plan

The Diabetic plan will pay most if not all of the cost associated with Diabetic testing if you have Medicare ,Medicaid, private insurance . There are some insurance like Strait HMO that will not work with vendor outside of their network. If you are a diabetic without insurance please call or email I have programs that can help you get supplies if you are middle to low income and there directly from the diabetic manufactures, or not for profit at low or no cost.

Annuity

An annuity is a formal contract between you and a Life insurance company that is designed to meet your retirement time frames and other long-range saving goals, under which you make a lump-sum payment or series of payments. In return, the Insurance company agrees to make periodic payments to you beginning immediately or at some future date and they maybe defined period of time or life time of payment.

Most annuities are in what call the tax-deferred growth of earning and most gains will be tax at ordinary income rate, they are never taxed at capital gains rates. Most if not all have surrender charges and some are up to 8% of amount of the deposited. Annuities typically offer tax-deferred growth of earnings and may include a death benefit that will pay your beneficiary a specified minimum amount, such as your total purchase payments.

While tax is deferred on earnings growth, when withdrawals are taken from the annuity, gains are taxed at ordinary income rates, and not capital gains rates. If you withdraw your money early from an annuity, you may pay substantial surrender charges to the insurance company, as well as tax penalties.

There are generally three types of annuities — fixed, indexed, and variable.

• Fixed : defined period of time and fixed rate of return.
• Indexed :The insurance company will credit you based upon the SP 500,stock prices and may have fixed amount if you pass away before you start to collect payment.
• Variable: typically in mutual funds and you can have big gains and big losses too? There are advantages for every product.

So if you have any questions please call me at 1-866-462-6526.