To book a consultation, please give us a call at (713) 382-0615

Our Services

 

Medicare Supplements (Medigap)

Add a Medicare Supplement insurance plan to your Medicare Part A and B coverage to help cover the Medicare deductibles, coinsurance, and other expenses you'd have to pay from your own pocket. We are the experts in Medicare Supplement Insurance, also known as Medigap. We represent over 20 of the leading insurance companies. We provide free and reliable Medigap quotes. We are committed to helping Americans, such as yourself, confidently choose the best Medigap plan. Our licensed insurance agents deliver 100% unbiased recommendations on the best insurance solution based on your unique health needs. Our service is FREE. We shop the market independently for you. We don’t work for the insurance company, we work FOR YOU. We'll work to find the best priced plan in the market with all the top rated carriers. We’ll find the plan that meets YOUR specific needs and budget.

 

Medicare Advantage Plans

A Medicare Advantage plan is another health plan choice you have as a Medicare beneficiary. Also referred to as “Part C” or “MA Plans,” they are offered by private insurance companies who have been approved by Medicare to administer the plan benefits.

Medicare Advantage plans effectively “combine” Medicare Part A and Part B, somewhat enhances the benefits, and offers you a “brand new” Part C plan for a very low or even "zero-dollar" premium. Due to the additional coverage, Medigap (or Medicare Supplement) policies are not allowed in combination with a Medicare Advantage Plan . Basically, you end up saving on premium dollars but possibly spending more on healthcare due to the various cost-sharing provisions, such as deductibles, coinsurance and copayments for the various services.

 

Cancer / Hospital Indemnity Plans

Major medical insurance has limitations on the amounts and types of health care covered. Even if a family has standard medical insurance, a long-term or major illness such as cancer and heart disease can create out-of-pocket expenses that can cause an enormous financial burden. To mitigate this risk from occurring, you can obtain supplemental health insurance that specifies coverage for cancers, heart attacks, strokes, extended hospital stays, disability, critical illness and others. This type of coverage can save you money and ensure financial security if you know you are dispositioned to a particular type of health problem.

 

Life Insurance

Life insurance can be the cornerstone of your family’s financial security. So choosing a life insurance company is not something to be taken lightly. Explore your coverage options and plan for the future. Insurance needs vary from person to person. If you’re just starting out or getting set to retire, we can help you find your best options. Whether you’re looking for Term, Universal or Whole Life, we’ll shop the top rated companies to find the plan to meet your needs.

 

Final Expense

Final expense insurance is a product designed to help cover final expenses such as the cost associated with funeral and burial expenses, probate fees or other financial obligations that your family may face in the event of death. Final expense insurance is targeted to individuals who desire coverage for final expenses and who don’t want to go through the hassles of full underwriting. Final expense insurance products normally don’t require formal medical examinations, so most people qualify with little to no problems. Also, premiums are guaranteed, so the investment is low risk and predictable. Additional rider protections are available for added security.

 

Rx Plans

Prescription drug coverage, also known as Medicare Part D, is an important add-on to Original Medicare or Medigap plans. Many Medicare eligible people are unaware that it is not included when they enroll with Medicare. If you go with Original Medicare or with the Original Medicare/Medigap combo you’ll want to get a stand-alone drug plan. The best way to choose a Medicare Part D prescription drug plan is get a list of your current drugs so that you are able to determine how and if your drugs are currently on a plan’s formulary (list of drugs the plan covers). Once we've completed this task, you’ll see which is the most cost effective plan with the lowest out-of-pocket based on YOUR specific drugs.

 

 
 
 
 
 
 

(713) 382-0615

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