Medicare & Retirement Healthcare Planning
Health
Insurance
Dental
& Vision
Supplemental Coverage
Business Benefits
Medicare
You would have to win the lottery to be as popular to marketers as you are when you’re about to turn 65 years old (or T-65). Not everyone needs to enroll in Medicare Parts A & B when they turn 65 and Part D drug coverage may be able to wait as well. We can help you plan for the best time to start your Medicare coverage, avoid the dreaded penalties and ensure you don’t pay more in Medicare & insurance premiums than you must.
We work with the best-rated Medicare insurance carriers (such as Aetna, Cigna, Devoted, Florida Blue, Freedom, Humana, Mutual of Omaha, Optimum and United Healthcare) and compare both Medicare Supplements and Medicare Advantage for you. We carefully review your providers, medications, health and budget to ensure your plan is the best fit for you…so you can enjoy retirement and ignore all that junk mail!
Medicare & Veteran's Benefits
Veterans, whether retired military or former members that have some level of healthcare with the Veterans’ Affairs (VA) system, are entitled to Medicare benefits in addition to healthcare earned with their service. As an Army retiree, disabled Veteran and VA system user I have a thorough understanding of those benefits as well as Medicare. How will your Veteran’s benefits coordinate with Medicare? Will you need to enroll in Medicare Part D for your prescription drugs, and will that option save you on your copays?
We can help you navigate your benefits and determine if you will need to sign up for Medicare to avoid penalties, augment your health benefits or just give you more options than the VA system affords. If you’re a Veteran or military family member approaching 65 years old, lets talk about your future healthcare.
Life Insurance
What happens to your employer-provided Life Insurance when you retire? Do you still need the same amount of coverage as you did 20 years ago? Very often we find you need far less coverage than you did before and we can assist you with integrating your monetary needs with your retirement plan: to take care of those you care about most.
As an independent advisors, we can find options across the spectrum of quality carriers and policy types to find the right fit for you: accomplish your financial goals with the coverage and preserve the income you worked so hard for.
Health Insurance
The most common scenario we work with is when the person that has employer coverage that protects the family is the one turning 65. We can find comparable coverage for the family members under 65 and help navigate the ever-changing healthcare marketplace. If you’ve never had to shop for your own health coverage it can be a highly confusing process to start now (and sticker shock is a real thing!).
We have the ability to recommend health coverage from a wide variety of companies to find the best fit for your healthcare needs, providers and medications. Let us make this part of the transition process stress-free…no one should have to keep working just to maintain insurance coverage for the family. Life is too short for that!
Dental & Vision
One of the biggest challenges we find when our customers leave their employer coverage is replacing the dental and vision plans that came with it. Dental care is critical to our overall health, and it’s not any less expensive than the rest of your healthcare. And most of us will definitely need that new pair of glasses or contacts prescription as we get older as well! The key to our service here is recommending coverage that’s actually worth the money, meaning getting you coverage that really pays for your care with your provider.
Supplemental Coverage
Whether you have Medicare or under-65 health insurance, the coverage is leaving increasingly more costs for the consumer every year. Increasing deductibles, maximum out of pocket expenses and ever-shifting coverage of prescriptions require annual review to make sure you aren’t vulnerable because of these changes.
We can provide options for add-on coverage for accidents, long and short-term disability income replacement, critical illness benefits to offset your deductibles and more. No pushy sales…you have a concern or a need and we can meet it within your budget and time frame.
Business Insurance
Small businesses face many challenges in the current employment market, and providing competitive benefits is a big one. Younger employees have an expectation of benefits, and growing businesses must balance the financial realities of growth and keeping a stable workforce. We offer a range of benefits that can grow along with you, be a part of your business’ evolution and even serve as incentives for your team to help you get there. Don’t lose good workers you’ve spent countless hours training to your competitors just because they offer a minimal health plan!