ACA Plans

At Health & Life Insurance Solutions, we have ACA Plans (other names are Market Place, Obama Care) that we can help you understand. We can enroll you and your family, if you qualify. 

Obama Care is an informal term for a federal law intended to improve access to health insurance for US citizens. The official name of the law is the Affordable Care Act. Over the years, it has had its challenges and changes to conform to what it is today. ACA (Affordable Care Act) is subsidized Healthcare through a Federal Government tax incentive. It gives those an opportunity to purchase Healthcare who may have never had the option before now. 

The biggest misconception of ACA is that “I won’t qualify”, “It’s too expensive” or “It isn’t any good”.  Let’s face it, we all have a need for Health Insurance to improve our health and protect our families. If you have questions, please feel free to call our office. We will answer any questions you may have, and we will see if you qualify.

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Group Insurance

Own a business or starting a new business? Do you have questions about offering coverage to you and your employees? Maybe you just want to add a dental plan or life Insurance for you and your employees.  We can help you design a plan or get a quote. Let us know if we can help, call the office today.

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Indemnity, Accident, and Cancer Plans

You may have purchased a Cancer Plan or Hospitalization plan at work that pays you when you are diagnosed with cancer or maybe admitted to the hospital. Indemnity plans are individually designed plans that you can build to cover those types of expenses when they happen to you. We offer Indemnity Plans to clients that will complement their current healthcare plans or fill in the gaps left by their insurance. Everyone’s needs and situations are different. We educate our clients that such plans exist, if they want additional protection. Please feel free to call the office, and we will answer any questions you may have.

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Life Insurance

Most people don’t think about dying until they are older and unfortunately that is also when they start looking at Life Insurance. If you’re employed, most companies offer a plan that will cover you and your families’ basic needs, only if you select it and it is usually inexpensive. If you are self employed or your job doesn’t have Life Insurance, or you need permanent Life Insurance to add to or replace a plan, we can help.

When someone comes up to me and says, “I need Life Insurance”, I say, “I agree, but what kind and how much”? Then I usually get a confused look and they say, “I don’t know”.  To answer that question, I must ask several questions that will begin a fact-finding mission that will help us to understand that besides burial, what other needs or obligations need to be met. In a Family, it could be a mortgage, college for the kids, automobile debt and to maintain the lifestyle of the surviving spouse and family. We believe that behind everyone’s budget and financial plan, there must be a review of Life Insurance needs to protect it. 

There are many other needs for Life insurance. In business, there is Key Person, first to die, or maybe to buy out a partner in the event her or she was to pass unexpectedly.  In Healthcare there are Life Policies that are hybrids (can be used in a multitude of ways) that offer early payouts for Long Term Care or Home Health. There are many types of Life Insurance and many ways it is used to provide protection of an asset.  Please feel free to call us to answer any questions you may have.

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Long Term Care and Short-Term Plans

Did you know that the average cost of a Nursing home can start at around 7K per month and higher? Long-term care insurance is an insurance product that helps pay for the costs associated with long-term care such as a Nursing Home. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid. Long-term care insurance is coverage that provides nursing-home care, home-health care, and personal or adult daycare for individuals aged 65 or older or with a chronic or disabling condition that needs constant supervision. There are 3 types of Long-Term Care, Traditional long-term care insurance, Hybrid long-term care insurance and Life Insurance with a Long-Term Care rider. There are also plans that offer Short Term Care Insurance. If you have questions about Long Term Care or Short-Term Care options, please feel free to call us so we can help you understand this type of insurance product.

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Medicare Insurance

Medicare is Government Insurance that is available to all seniors 65 and older who have paid taxes for at least 40 quarters. Also, any individual under the age of 65 who has paid the required number of quarters of taxes and deemed disabled by Social Security for 24 months may be eligible. Others that are disabled may qualify if they are dependents of someone who qualifies or may have been disabled as a child and reached the age in which Medicaid stops covering as primary. 

Medicare is made up of two parts, A- Hospitalization and B- Medical. There is no part D (prescription drug coverage, it must be purchased separately).  There are no Networks in Medicare but also no limits to out-of-pocket costs. Also, when you become eligible for Medicare, Part “A” will start automatically. You must start Part “B” or face a penalty, unless you have Creditable Coverage. Then, you must also enroll in some form of part “D” or face a penalty, unless you have some form of creditable Coverage. 

There are so many confusing parts of Medicare and to add to that what options are there to handle cost that Medicare doesn’t cover. At Health & Life Insurance Solutions, you can leave that to us. Our first goal is to educate our clients on Medicare as well as Medicaid, Extra Help, Veterans Benefits, and other resources.  Next, we break down the options and how they work with Medicare.  Then we support the client with their decisions and become an advocate for them. We would love to be your Medicare Agent, please call us today.

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