A Conversation About Life and Health Coverage
Health Insurance under 65
Medicare Advantage and Medicare Supplement Insurance
Medicare Advantage and Medicare Supplement Insurance
You know, the worst part of health insurance is the surprises. For example, your Dr. wants you to get on a certain medicine, but your health insurance company says they don't cover this medicine, or that they cover it at a lessor rate. Or, going to your dentist, and they recommend you getting a root canal and other work done, but your
You know, the worst part of health insurance is the surprises. For example, your Dr. wants you to get on a certain medicine, but your health insurance company says they don't cover this medicine, or that they cover it at a lessor rate. Or, going to your dentist, and they recommend you getting a root canal and other work done, but your dental insurance says they will only cover so much. I get it. I am a father, had 5 children, and have lived through years of the questioning of how will I afford this. One of the most persistent worries of Americans is paying for both expected and unexpected healthcare expenses, medical care, prescriptions, and dental care. We will help you find a health plan that is best for you.
Medicare Advantage and Medicare Supplement Insurance
Medicare Advantage and Medicare Supplement Insurance
Medicare Advantage and Medicare Supplement Insurance
When a person turns 65 or becomes eligible for Medicare Part A and B, they can elect to accept Medicare Part A and B or a privately held Medicare Advantage Plan. These plans are provided by large insurance companies, such as Aetna or Humana, and must provide the same coverage (or more) than regular Medicare Part A and Part B. Many pe
When a person turns 65 or becomes eligible for Medicare Part A and B, they can elect to accept Medicare Part A and B or a privately held Medicare Advantage Plan. These plans are provided by large insurance companies, such as Aetna or Humana, and must provide the same coverage (or more) than regular Medicare Part A and Part B. Many people decide that they want a privately held Medicare Advantage Plan because they often offer more benefits, such as dental care, a wellness program, and some even give cash back. If you agree to keep regular Medicare, you can choose to have what is called Medicare Supplement Insurance, which provides extra coverages for you on top of Medicare, such as paying for the deductible or co-payments. I personally like the Medicare Supplement plan, as it protects you long term with coverage in the event of a long term hospitalization or care. However, both Medicare Advantage and regular Medicare both have good points to them, and the buyer of Medicare Insurance needs to make up his or her own mind what they feel like is best for them. I have sold medicare advantage plans and medicare supplement plans through large companies. During the annual enrollment period, I often hear customer complaints that the company they are with is no longer providing their medicare advantage plan, or that for some reason their income has reduced and they are having problems making their Medicare Supplement Plan G payments. I understand. A Medicare Supplement policy does continue to increase in cost yearly as you age. The average monthly cost for a Medicare Supplement plan in 2025 was $151.17, with plans like Plan G going up to $155.33 per month. If you call, we will have a conversation: not a sales pitch. You have to decide what is best for you and your family and sometimes it is best not to change anything. After all, if it is not broken, why are you fixing it? Or if it is broke, lets come up with a good , long term solution. I will be honest: when we talk, we will look at probabilities that you will have a long term stay in a facility. Our conversations may be tough, but we will come up with a good, sustainable plan for you based off your current income and medical needs. I will be happy to have a conversation with you about Medicare, Medicare Advantage, and Medicare Supplement policies with no up front costs, and no obligation.
Life Insurance
Medicare Advantage and Medicare Supplement Insurance
Life Insurance
It is very rare to find anyone who wants to buy life insurance. The average person just doesn't feel like they need it. As an insurance agent, It is a hard sell and takes some internal reasoning for a buyer to determine the need. However, once a person buys a life insurance policy, they rarely cancel it, except when they just cannot aff
It is very rare to find anyone who wants to buy life insurance. The average person just doesn't feel like they need it. As an insurance agent, It is a hard sell and takes some internal reasoning for a buyer to determine the need. However, once a person buys a life insurance policy, they rarely cancel it, except when they just cannot afford it. Purchasing a life insurance policy and completing a will are two of the easiest planning tools for leaving your family in a better financial position.
Now this is important, and I beg you to pay attention to this because I never understood this until I did. Money from the estate (bank accounts, deposit accounts, etc) is usually distributed after probate unless a persons name is listed on the account as a beneficiary. Money from a life insurance policy can be distributed to the claimed beneficiaries by sending in the death certificate after your death. It usually pays faster. Once again, I never knew this until I did. Family members receiving money from you after your death is a blessing, as it shows you cared and planned.
This is a conversation, not a sales pitch. However, a $25,000 whole life policy for most people can be written for as little as $29 a month, often with no medical underwriting, and this money is paid quickly and can be used for funeral expenses or any other purpose by the recepient.