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Medicare & Medicare Advantage 

There are many things to consider when you have Medicare. Many people choose to “supplement” their Medicare or find a Medicare Advantage plan to provide coverage. It is important that you know the difference and on each works.We provide all the information you need so you can make an informed decision.  Learn more about Medicare here.

The Medicare plan that you choose affects many things like cost, benefits, doctor choice, convenience, and quality. Your Medicare plan choices include:

The Original Medicare Plan – This is a fee-for-service plan that covers many health care services and certain drugs. You can go to any doctor or hospital that accepts Medicare. With this plan there are deductibles, co-pays, and coinsurance charges. These costs are called "gaps" in Medicare coverage. When you get your health care, you use your red, white, and blue Medicare card.
Medicare Supplement – Often referred to as a Medigap plan. Each state has the ability to regulate the plans offered in that state. This type of plan usually offers coverage on charges left after Medicare approves and pays their portion.

Medicare Advantage Plans – Available in many areas. If you have one of these plans, you don't need a Medigap policy. These plans include:
* Health Maintenance Organizations (HMO),
* Preferred Provider Organizations (PPO)
* Private Fee-for-Service Plans
* Medicare Special Needs Plans
* Medicare Medical Savings Account Plans (MSA)
These plans may cover more services and have lower out-of-pocket costs than the Original Medicare Plan. Some plans cover prescription drugs. In some plans, like HMOs, you may only be able to see certain doctors or go to certain hospitals to get covered services.
Medicare Prescription Drug Plans – These stand-alone plans add prescription drug coverage to the Original Medicare Plan, some Medicare Cost Plans, some Medicare Private Fee-for-Service Plans and Medicare Medical Savings Account Plans.
To discuss plan options, premiums, and availability contact me for additional information:

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Health insurance plans for all Ages

Health insurance with options that meet the Affordable Care Act or short-term health insurance. Our insurance agents are trained and credentialed to offer health insurance plans on the Health Insurance Marketplace. They are also able to offer plans off the Health Insurance Marketplace that comply with the Affordable Care Act requirements.
We work with you to:
- Find the best insurance with a premium that fits your budget
- Choose a top-rated insurance company with flexible plans
- Provide in-depth knowledge over premiums
- Signing up through the Internet or in our office
- Understand your plan through local industry experience

 Individual Health Insurance
Until recently, most people got their health insurance from their employer. People with low income got their insurance from the government. But now, more and more people are buying private health insurance plans tailor-made for individuals.
Choosing your health plan isn't only about getting the right coverage — it's also about finding the right price. And individual health insurance is actually more affordable than you think. Just compare rates from leading health insurance carriers to see for yourself.

What Kinds of Private Health Plans Can I Choose From?
There are plenty of individual health plans to choose from. Here are the most common types:
• HMOs (Health Maintenance Organization)
• PPOs (Preferred Provider Organization)
• Health Savings Account (HSA) Plans
• Fee For Service (FFS) Plans

How is your premium determined for your individual health insurance plan?
Under the Affordable Care Act premium is figured by using a combination of factors. Prior or current health conditions do not factor in! Your age, household, and income determine if you receive a subsidy. A subsidy will reduce or eliminate your premium. You may also receive help paying for your deductible, co-pays, and coinsurance charges.
• Your premiums are payments you make to keep your plan in effect. Usually, premiums are paid each month. 
• Your deductible is the dollar amount you'll be responsible for before your plan begins coverage.  
• A copayment is a set amount you pay for a specific service. 
• Coinsurance is expressed as a percentage rather than a dollar amount. A coinsurance rate of 80/20 means you'll be responsible for 20% of a medical bill. 

Employer Sponsored Health Coverage
Employer sponsored health insurance is decreasing. Businesses are eliminating or making it more difficult to obtain health insurance through the employer such as hiring part-time employees or reducing current employee’s hours per week.

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Life Insurance Plans

The basic building block of financial planning is protection. By getting enough life insurance you are protecting your loved ones so that the money is there to continue their lives without disruption.
There are many types of life insurance to fit individual needs and circumstance. The following are some of the basic types of life insurance available.

Term Insurance
The simplest form of life insurance is term insurance. You purchase coverage for a specific price for a specified period. If you die during that time, your beneficiary receives the value of the policy. There is no investment component.

Whole Life
Similar to term, but you purchase the policy to cover your "whole life" not just a set period. Premiums remain level throughout the life of the policy, and the company invests at least a portion of your premiums. Some firms share investment proceeds with policyholders in the form of a dividend. Many companies will offer a relatively low guaranteed rate of return. Occasionally the rate of return may outperform the guaranteed rate.

Universal Life
You decide how much you want to put in over and above a minimum premium. The company chooses the investment vehicle, which is generally restricted to bonds and mortgages. The investment and the returns go into a cash-value account, which you can use against premiums or allow to build.
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Home and Renters

Homeowners insurance helps cover losses and damage to a home and the assets within and it can provide liability coverage against accidents in the home or on the property.

Many think of homeowners when it comes to insuring property, but renters can also protect themselves and their belongings.  Renters insurance will help cover the costs of damaged or stolen property as well as living expenses if your current dwelling were to become uninhabitable.
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Auto and Motorcycle

The right auto insurance is affordable while providing the property, liability and medical coverage that's appropriate for you.

Cruisers, mopeds, custom motorcycles-if your ride is legal we can help you find the right coverage for it.

Auto and Motorcycle insurance cover the following as well as other coverages and services:
Liability (bodily injury and property damage) covers damages you cause to others.  If you're at fault in an accident, liability covers damages you cause. That could mean damage to other vehicles, property (mailbox, street sign, house, etc.), or even other drivers'/passengers' injuries. Plus, this covers you if someone sues you over an accident.
Comprehensive and collision covers damage to your car.  These are two separate coverages: comprehensive covers random acts of nature beyond your control (falling trees, hail, theft, fire, floods, glass damage, etc.) and collision covers car accidents.
Uninsured/underinsured motorist covers your injuries and damages.  These can be two separate coverages: one that covers your injuries (bodily injury) and another that covers your vehicle's damages (property damage). Both kick in if a driver hits you and doesn't have insurance or enough to pay for your losses.
Medical payments covers your injuries.  Pays for medical costs if you, your passengers, or your family members are injured in an accident (no matter who is driving). This can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.
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Boats, Recreational Vehicles and Powersports

Cover many of the same risks your automobile is vulnerable to, protecting yourself from accidents, damage and more.
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