With the many healthcare options these days, it’s easy to get confused and not know what’s right for you. That’s why it is so important in this industry to have someone like me. Health insurance brokers have the unique ability to see the big picture, and understand your needs better than you can probably understand them yourself. Put your trust in my experience, and I will show you how easy it can be to navigate through all the confusion!
AFFORDABLE CARE ACT
Navigating healthcare.gov can be difficult! Finding the right plan can be frustrating!
Guess what? I’ve processed hundreds of Affordable Care Act applications, so finding the right plan or filling out the application is a breeze for me and I offer that service FREE to you.
Accidents and injuries constitute a major part of why we go to the doctor in the first place! Having protection like this should be a major priority under any insurance plan. Trips to the hospital for broken bones, car accidents, and cut fingers chopping onions will only cost you a maximum of $250, that’s it. Definitely worth adding to any policy!
In the event that you are diagnosed with cancer, suffer a heart attack or stroke, or experience a variety of other stated critical illnesses, you will receive a check in the mail to help cover the expenses that health insurance usually doesn’t cover.
This one is especially important to me. If I had signed up for this before my motorcycle accident, I would have received a one-time lump sum check in the mail for anywhere from 25 to 100 thousand dollars to help pay for bills and lost wages. I wish I had.
FIXED BENEFIT PLANS
Adding this to a policy helps make every single hospital bill less expensive. With this plan, every single reason you might visit the doctor has a set dollar amount attached to it - which gets paid to you after your visit to the hospital. What’s cool about this plan also, is sometime you get PAID to see the doctor!
Example: A doctor’s office charges $100 for an office visit, but your fixed benefit plan pays you $150 every time you see the doctor. (You just made $50 for seeing your doctor!)
As a broker, I’m self-employed - I understand how difficult it can be to find insurance that fits in your budget and also meets your needs. Many of my clients are self employed - and know that there are a lot of expenses that reduce the amount of money we can take as a salary. I can help you find a plan that covers what you want to cover, and not covering things you don’t need - saving you money on your monthly bills.
There are many reasons I will suggest a short term medical policy for you. First of all, it’s not just for people who only need coverage for a couple months. Other reasons you might choose short term medical include:
- Making too much money for an ACA discount
- Being healthy and wanting to save money on health insurance
- Being young and just starting out with health insurance
- Missing the open enrollment deadline and not having a qualifying life event.
No matter who you are, a short term medical policy could benefit you.
If your problem is a need for dental insurance, I have the answer. Whether your teeth hurt right now and you need dental work done TOMORROW, whether you have a family with eight children, or your teeth are already falling out of your mouth, we have a plan that will work for you! We have affordable plans for families and individuals that need coverage. We also have comprehensive plans for those that need major dental work done. It’s always affordable to add better dental to any policy, so ask me about it today.
Most people are underinsured for life insurance. When the time comes and you are no longer with us - will you have protected your family and loved ones against unnecessary financial hardship? Although uncomfortable, that is something to think about. A simple conversation with me now can alleviate a lot of pain and suffering for those closest to you in the future. Ask me about your options and we can review what you currently have and together will determine if it is sufficient for your needs.
Medicare usually isn’t enough to cover your medical bills. Because of that, I offer Medicare Supplement policies and Medicare Advantage policies according to your needs. The last things you want going into retirement are giant unrealistic medical bills. Contact me when you near the age of 65, and we will go over your options quickly over the phone. Remember - I’ve researched and studied these plans so that I can best explain them to you in a familiar language. When it comes to Medicare I make it easy to make a decision that works for you!