COBRA CAN BREAK THE BANK
For employees that will be leaving their employer, they may have the option to keep their company group insurance plan, but it could be very expensive.
Through legislation passed by Congress in 1985, COBRA continuation health plan coverage, employees were provided a temporary continuation of group health coverage that otherwise might be cancelled because they left their employer. The benefit is that you don’t have the pressure of not having health coverage while looking for a new job or starting up your new business. The downside is that you take on both the employee and employer costs for health coverage.
We offer alternatives to COBRA, that could lower your overall premium and out of pocket costs.
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 insorting through the numerous Medicare options. We can also help you in chosing a Medicare prescription plan that includes your specific medications.
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.
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.
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.