Health

(DENTAL, MEDICARE, MARKETPLACE, SUPPLEMENTAL)

Dental Insurance or A Discount Plan?

Discount Plans are a Membership plan to hopefully get a "discounted" price.  The only problem is the discounted price can change.

Dental Insurance is based on contracted rates and is controlled by the Insurance company administering the plan (this will reduce costs, waiting periods of 6 and 12 months are applied for BASIC and MAJOR SERVICES, respectively). Providers join the Dental Insurance plan in order to bring more patients to them without marketing for new clients.

Immediate Coverage Dental is hard to find, but it can all for BASIC and MAJOR SERVICES to be covered without waiting periods but at reduced coverage rates. 

It is ALWAYS better to go with a In-Network Provider/Dentist than an Out of Network Dentist (who takes PPO). 

The difference is the In-Network Dentist accepts the contracted rate of the Dental Insurance and the savings to you on Dental Insurance is approximately 67% versus paying cash. 

An Out of Network Dentist, does not agree to the contract rate, so the savings is calculated on the contracted rate and the rate the Dentist charges and saves you approximately 33% over paying cash.

Short-Term & Supplement Health Plans

Short-Term & Supplement Health Plans

Can help cover Deductibles on Health Insurance when an Accident occurs, or additional coverage is needed for the Hospital or when a Health condition occurs like Cancer.

Get Temporary Health Coverage to fill unexpected gaps in your health insurance coverage whether you have recently moved, lost coverage, or new to health insurance.  These plans may be more affordable than Long-term Health Insurance, but will not exempt you from the Obamacare Tax Penalty.

ASK US ABOUT MARKETPLACE / OBAMACARE

NEW insurance carriers are COMING TO FLORIDA

(We are Licensed in AL, AZ, CO, KS, MO, MS & TN)

next Open Enrollment Period:  Nov. 1 — Dec.. 15

 FREE ENROLLMENT
 
Individual Health (Healthcare Reform/Affordable Care Act)

Plans on the Health Insurance Exchange will cover 10 Essential Health Benefits:

  1. Ambulatory Patient Services
  2. Emergency Services
  3. Hospitalization
  4. Maternity and Newborn Care
  5. Mental Health and Substance Use Disorder Services  
  6. Prescription Drugs
  7. Rehabilitative and Habilitative Services and Devices
  8. Laboratory Services
  9. Preventive and Wellness Services and Chronic Disease Management
  10. Pediatric Services, including Oral and Vision Care
MEDICARE

MEDICARE

Turning 65.... Need Help?

Got Medicare?
 
WE are Licensed in AL, AZ, CO, KS, MO, MS & TN)

Your INITIAL ELECTION PERIOD allows you to enroll in Medicare 3 months prior to the Effective Date of your Parts A & B AND no later than 3 months after.

Choosing the right Medicare Plan is the difference between “Paying As You Go” for a Medicare Advantage or “Paying In Advance” for a Medicare Supplement.   Which type of Medicare is right for you?

Choosing to stay with your Group Insurance because it's what you have had it for so long?

Medicare plans offer zero to lower premium plans, low to zero deductibles over group or individual. 

If you do not have creditable coverage for medical or prescription coverage, penalties await if you do not move to Medicare correctly.

If you need help apply for Drug Extra Help or Medicaid, once you have your Medicare card.  We can HELP!
 
Prescription Drugs putting you in the Gap (Doughnut Hole)?

Choosing the right Drug Plan Insurance means the difference of paying hundreds or thousands more than necessary, when it does not work for your list of prescriptions.

ANNUAL ENROLLMENT PERIOD: Oct. 15 - Dec. 07

This is your chance to change your Insurance to begin January 1st.

OPEN ENROLLMENT PERIOD:  Jan. 01 - Mar. 31

This is your chance to disenroll from your Medicare Advantage Plan and go to another Medicare Advantage Plan (Do Over) OR return to Original Medicare (& Medicare Supplement) and a PDP (Prescription Drug Plan).
  
MORE Election Periods exists to change your Insurance depending on different situations, please contact us and we'll discuss if one applies to you.
 
NOTE: Penalties for Obamacare DO NOT APPLY to those Individuals eligible for Medicare. Penalties apply if you do not apply for Medicare when you are eligible unless you are exempt (have Group Insurance).

WORK WITH AN AGENT WHO FOLLOWS THE RULES

NOTE: Marketing representatives are prohibited from making unsolicited contact, including through:

  • Door-to-door solicitation, including leaving leaflets, flyers or door hangers at a resident or on someone's car
  • Approaching beneficiaries in common areas, such as parking lots, hallways, lobbies or sidewalks
  • Telephonic or electronic solicitation including leaving voicemail, text messaging or email message or through messages via social media.