Purchasing the right plan can be complicated. If you do not have access to group health insurance from your employer, it can be especially difficult, because in most of Kentucky, at this point in time, there is only one health care provider (Care Source). And unless you have a ‘qualifying event,’ you must wait for an Open Enrollment Period to apply. The alternative is to purchase a short-term plan. Contact us. We can help.
If you own a business, putting together a plan that is affordable and suitable for your employees is not easy. Know your options. Contact us for more information.
The magic number is 65. Most people in the United States who are over 65 are eligible for Medicare. However, Medicare does not cover everything. Medicare has deductibles and coinsurance for which you are responsible.
The solution: Medicare Supplement Insurance (to pay the difference).
FYI Medicare does not cover prescriptions. Contact us to learn about your options.
Hurt on the job? Would you be able to pay your bills? While some employers provide coverage, it is typically only “short term” and replaces just part of your salary. If you are self-employed, you must provide your own coverage.
Our Solution: coordinate a short term accident/sickness plan with a long term income replacement policy. We look for a plan which also includes partial disability so that you can return to work over time.
Important: When you purchase a policy, you need to answer questions about your age, health and health. Therefore, it is best to apply sooner rather than later.
It may be hard to imagine now, but chances are you will need help taking care of yourself down the road. The big question you should ask yourself now, how will you pay for it? For this reason, we reccomend long term care insurance.
These policies will pay for care received in a nursing home, assisted living or home care setting. This is important because Medicare and Medicaid generally do not cover care provided by non-medical personnel.
Recommendation: Don't get stuck handling the entire bill by yourself.
Did you know medical insurance does not generally cover dental, vision or critical Illness. How do you go about paying for those expensive trips to the dentist and eye doctor?
It's important to keep your teeth clean and healthy with routine appointments and cleanings, and Dental Insurance will help with these expenses.
Along with maintaining oral hygiene, caring for your vision is equally as important. Vision Insurance provides a discount for routine checkups and lens and frames. Protect your eyes.
During times of critical illness, it's important to have extra cash in your pocket. Critical Illness insurance coverage helps to cushion the expense.