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The Marketplace is a government platform where individuals and families can compare plans and may qualify for financial assistance to lower monthly premiums depending on income levels.

Original Medicare Part A does not have a premium. Medicare Part B has a premium that can change each year. Secondary Medicare plans costs vary by plan and may include premiums, deductibles, copays and coinsurance depending on the coverage you choose.

Health insurance helps cover the cost of medical care including doctor visits, hospital stays, prescriptions and preventive services while protecting against high unexpected expenses with a maximum out of pocket.

Medicare Supplement (Medigap) acts as a steady companion to your Original Medicare by covering the “gap” in out-of-pocket costs, while Medicare Advantage is an all-in-one private alternative that bundles your hospital, medical, dental, vision, hearing and drug coverage into a single plan.

No. We are non fee based advisors and our services come at no additional cost to you.

Yes. We represent over 200 insurance companies and shop options to find the best fit for your needs.

No. We offer health insurance life insurance Medicare and supplemental insurance products.

This is determined during an individual consultation where we perform a full needs analysis before recommending solutions.

Yes. We are certified through the Health Insurance Marketplace to sell ACA plans as well as private insurance plans.

Yes. We are licensed in AL AR AZ CA GA KS KY LA MI MO MS OH OK SC TN and TX.

Medicare is a federal health insurance program primarily for individuals age 65 and older as well as some younger individuals with disabilities or certain medical conditions.

Medicare includes Part A for hospital care Part B for medical services Part C also known as Medicare Advantage and Part D for prescription drug coverage.

Most people should enroll during their Initial Enrollment Period which begins three months before their 65th birthday and ends three months after to avoid late penalties.

Medicare Advantage plans replace Original Medicare and often include extra benefits while Medicare Supplement plans work with Original Medicare to help cover out of pocket costs.

Original Medicare does not include prescription drug coverage but you can enroll in a Part D plan or choose a Medicare Advantage plan that includes drug coverage.

Medicare costs vary by plan and may include premiums deductibles copays and coinsurance depending on the coverage you choose.

Health insurance helps cover the cost of medical care including doctor visits hospital stays prescriptions and preventive services while protecting against high unexpected expenses.

Options include employer sponsored plans individual marketplace plans short term coverage and government programs like Medicaid with varying networks and costs.

Enrollment is available during the annual Open Enrollment Period or during a Special Enrollment Period following a qualifying life event.

The Marketplace is a government platform where individuals and families can compare plans and may qualify for financial assistance to lower monthly premiums.

A deductible is what you pay before insurance contributes a copay is a fixed fee for services and the out of pocket maximum limits your annual costs.

The best plan depends on your healthcare needs budget preferred providers and medications and an agent can help compare options.

Life insurance provides financial protection for loved ones by helping cover funeral costs debts income replacement and long term security.

The most common types are term life insurance which provides coverage for a set period and permanent life insurance which offers lifelong coverage.

Coverage needs depend on income debts family size and future expenses with many choosing coverage to replace income and pay off obligations.

Life insurance is important for parents homeowners business owners and anyone with financial dependents or final expense needs.

Life insurance is often affordable with costs based on age health coverage amount and policy type with term life usually being the lowest cost.

Some policies require a medical exam while others offer no exam or simplified issue options depending on eligibility.