Helping You Secure Your Family's Future
Protecting Your Loved Ones with Reliable
Life Insurance Solutions
Coverage
Crafting extraordinary events tailored to your unique vision.
Medicare
We help individuals navigate the complexities of Medicare by providing personalized guidance on enrollment, plan options, and benefits to ensure they receive the coverage they need.
Life Insurance
Ease the burden on your family during difficult times with our Final Expense Insurance, covering funeral and other end-of-life expenses.
Annuities
We help clients secure their financial future by guiding them through the selection of annuities that provide reliable income and peace of mind in retirement.
Hospital Indemnity Plans*
We assist people in understanding and selecting hospital indemnity plans that offer financial protection against unexpected medical expenses during hospital stays.
Frequently Asked Questions
What is Medicare, and who is eligible for it?
Medicare is a federal health insurance program primarily for individuals aged 65 or older, but it also covers certain younger people with disabilities or those with End-Stage Renal Disease (ESRD). Eligibility is based on age or specific qualifying conditions.
What is the difference between Medicare Part A and Part B?
Medicare Part A covers hospital stays, skilled nursing facilities, hospice care, and some home health services. Part B covers outpatient care, doctor's visits, preventive services, and medical supplies. Part A is often premium-free if you've paid Medicare taxes, while Part B has a monthly premium.
What is Medicare Advantage (Part C)?
Medicare Advantage (Part C) is an alternative to Original Medicare. It is offered by private insurance companies and includes all benefits of Part A and Part B, often with additional benefits like prescription drug coverage, dental, vision, and wellness programs. It typically comes with different out-of-pocket costs and provider networks.
What is the enrollment period for Medicare?
The Initial Enrollment Period (IEP) is a seven-month window that begins three months before your 65th birthday, includes your birthday month, and ends three months after. There is also an Annual Enrollment Period (AEP) from October 15 to December 7, during which you can make changes to your plan.
What happens if I don’t enroll in Medicare on time?
If you miss your Initial Enrollment Period, you may face late enrollment penalties. For example, for Part B, you could pay a 10% higher premium for every 12 months you were eligible but didn’t sign up, unless you qualify for a Special Enrollment Period due to circumstances like continuing employer coverage.
What is life insurance, and why do I need it?
Life insurance is a contract with an insurance company that provides a lump-sum payment to your beneficiaries after your death in exchange for premium payments. It's essential for providing financial support to your loved ones, covering debts, funeral costs, or replacing lost income.