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You may also wish to visit our enrollment site HERE

Our clients have saved the stacks of marketing materials a 64-year-old receives before becoming eligible for Medicare. Most carriers send on average four direct mail pieces. If all carriers in your area advertise, you may have over 50 pieces of mail on your kitchen table. We have also heard about unsolicited phone calls and intrusive door-knocking sales tactics. This is not how we do business.

As independent health insurance brokers in Florida, we have specialized in Medicare products for over 13 years and are currently authorized to represent over 20 companies.

You will appreciate the time saved by not having to meet with multiple agents. Additionally, you will benefit by receiving an objective comparison of ALL your options.

We offer a unique service by comparing all of your options in one meeting. Our free consultation includes side by side comparisons using the tools on the Medicare.gov website. We help you complete the required forms and enroll. There is no charge for our service; brokers are paid a standardized fee directly by the carriers.

If you think you may benefit from our service, give us a call. Already enrolled? Count on us as trusted advisors to help you confirm your choice. We offer in-home meetings, phone consultations, webinars, and community workshops. We meet many of our clients at their favorite coffee shop. Coffee is on us, and we look forward to meeting you.

 

Competition = Lower Costs-Use an Independent Broker!

The insurance industry includes hundreds of different companies hoping to earn your business. It is a very competitive market and it pays to shop around for the very best deals. This is where we come in.

Whether you´re searching for Life Insurance, Annuities, IRA´s and other retirement strategies, Medicare plans, Health Insurance or ´ObamaCare´, you must be well-informed and well-advised to get the most out of your premium dollars. An experienced and independent agent who represents multiple insurance carriers can make a huge difference in what you pay for coverage.

Medicare Advantage Plan (Also known as Part C) A type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you’re enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage.

Medicare Advantage Prescription Drug (MA-PD) Plan A Medicare Advantage plan that offers Medicare prescription drug coverage (Part D), Part A, and Part B benefits in one plan

Medicare Prescription Drug Plan (PDP) A plan offering Medicare prescription drug coverage.  

Medicare by itself has a high deductible for hospital admission, and it only pays 80% of eligible doctor costs. A serious illness could set you back many thousands of dollars. A Medicare Supplement policy covers all or most out-of-pocket medical expenses providing you with peace-of-mind and potential savings. Let us guide you in choosing the right Medicare Supplement or Medicare Advantage policy. We can also help you to select a Medicare Part D plan that includes your specific medications.

Individual and Group Health Insurance

Nearly everybody is confused about their healthcare options - and rightly so. You can´t rely on politicians or media reports for a clear and unbiased explanation. You want the facts, not opinions. We´d be happy to evaluate your current coverage and present you with side-by side comparisons of alternatives.

Although Open Enrollment for Affordable Care Act plans ends for most people on January 31st, some new enrollments are allowed anytime throughout the year. For example, individuals losing group coverage or those who are moving into another state or service area can enroll within 60 days of the event. Small businesses can enroll anytime. Both individuals and small businesses may qualify for substantial tax credits to dramatically reduce their portion of the monthly premiums.

Long-Term Care and Final Expense Insurance

Long-Term Care Insurance gives you the financial means and the support options you desire. Whether you require in-home visits, assisted living or skilled nursing care, Long-Term Care Insurance lifts the burden from those around you, improving the quality of life for yourself and for everyone you hold dear.

Your family will always come first. You wouldn`t want them to bear huge and unexpected financial burdens at the time of your passing. No matter what your age, it`s absolutely essential to have a plan in place to protect your loved ones when you are no longer able. Final Expense insurance will pay for your funeral service, bills and other associated costs.

Why Should I Call This Agency for Insurance?

Good question. There are a lot of insurance agents out there and it may seem like any agent or broker is as good as another. But we are decidedly different.

Let´s face it, insurance jargon can be very confusing. We know the ins and outs of the insurance business, and our inside knowledge of many companies and many products will work to your advantage. In fact, different insurance companies often charge vastly different premiums for the exact same coverage. As independent agents we are not employed by one particular company. Instead, we can select insurance products from among those companies that best address your unique concerns.

We promise to focus our attention on your benefit exclusively.

 

 

Please don´t hesitate to call us with your questions no matter whether you are already a valued customer, a potential client or if you simply need expert advice. There will never be a charge for our assistance or for a friendly, no-obligation chat.

 

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