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We understand that everyone has unique needs and we can help find the best solutions for you.

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Our Services

Customize A Policy That
Meets Your Needs And Budget

Medicare Insurance
Health Insurance
Life Insurance
Critical Illness
Additional Services

Medicare Insurance

Medicare is a federal health insurance program primarily for people who are 65 or older, certain younger people with disabilities, and people with end-stage renal disease (permanent kidney failure requiring dialysis or a transplant). It consists of several parts.

Let's Discuss the Benefits:

Medicare Part A (Hospital Insurance)
Medicare Part B (Medical Insurance)
Medicare Part C (Medicare Advantage)
Medicare Part D (Prescription Drug Coverage)
Medigap (Medicare Supplemental Insurance)

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Health Insurance

Health Insurance is a financial protection against the increasing costs of medical expenses. It is created to offer financial support for different healthcare services such as doctor visits, hospital stays, prescription medicines, and preventive care.

You can have access to a wide variety of healthcare services, which can help you manage your budget by reducing the burden of medical expenses.

Let's Discuss Your Options:

ACA (Affordable Care Act)
Subsidies: Lower Premium Costs
Short Term Health Insurance

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Life Insurance

Life insurance is a contract between the policyholder and the insurance company, where the insurer promises to pay a designated beneficiary a sum of money. It is a product that replaces the income of the person who passed away. It gives a financial peace of mind.

Ensure your family's financial stability even after your passing.

Let's Discuss the Benefits:

Term Life Insurance
Whole Life Insurance
Final Expense
Universal Life Insurance

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Critical Illness

Critical Illness Insurance is a type of coverage that provides financial protection in the event of a severe illness. It is designed to offer a lump sum payment if you are diagnosed with a covered critical illness like cancer, heart attack, stroke, organ transplant, or other specific conditions.

Let's Discuss the Benefits:

Lump-Sum Payments
Income Replacement
Tax-Free Benefit
Optional and Additional Riders

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Additional Services

There are many options to help you gain the security and peace of mind you deserve.

Please inquire about any additional services and we'll work with you to find a policy that meets your needs and budget.

Ask Us About:

Dental Insurance
Vision Insurance
Long Term Care Insurance
Annuities
Much more...

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Disclaimer: We do not offer all plans in your area. The information we provide is limited to those plans available in your area.

Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Frequently Asked Questions

I'm turning 65 soon. What should I do?

You can apply for medicare benefits within a 7 month window around your 65th birthday.

Three months before turning 65
The month you turn 65
Three months after you turn 65

You can apply for medicare even if you are still working.

I'm under 65. Can I enroll?

Medicare is available for certain people under the age of 65 with disabilities.

You have been receiving social security disability for at least 24 months
You have END-Stage Renal disease (ESRD) permanent kidney failure requiring dialysis or a transplant.
You have Amyotrophic Lateral Sclerosis (ALS)

Who is eligible for Medicare?

Individuals aged 65 or older, those on disability for at least 24 months, and those with ALS or ESRD are eligible for Medicare.

I’m retiring. When should I start Medicare enrollment?

As you approach retirement, it's important to check in with your employer's benefits or HR (human resources) department at least two months beforehand. Pay close attention to deadlines and be sure to keep a copy of your proof of credible coverage to avoid any penalties. It's crucial to plan your transition carefully to ensure a smooth process. Don't hesitate to ask for assistance if you need it!

I am already on Medicare, is there anything I need to do?

If you are already on Medicare you should:

Review your plan annually to ensure it still meets your needs.
Review you Annual Notice Of Changes (ANOC). Your private Medicare plan sends the letter out every year at the end of September.
Update any information: You should let Medicare and your agent know of any changes such as address, phone number or any other personal information.
Call your agent and schedule an appointment to go over changes.

I can’t afford my prescriptions. What are my options?

There are programs that can help.

Extra help (Low-income subsidy) This program will assist with your Medicare Part D.
Patient Assistance Programs (PAPs) offer free or discounted medication from pharmaceutical companies.
Medicare savings programs: helps with medicare costs, including premiums and prescriptions.
Please contact us for additional programs and information.