Affordable medical plans for individuals and groups.
Individual insurance plans
Individual insurance plans include Travel, Short Term, Basic, Health Savings Accounts, Co-pays and 100% plans from Golden Rule (a United Healthcare carrier), Celtic, Human, and Bankers.
Group health insurance
For group health insurance, fax or e-mail your census for quotes from Blue Cross/Blue Shield, Aetna, Humana, and United Healthcare. Dental and Life insurance can be added to the plans. Once we have a group in place, we can offer a Section 125 which pre-taxes employee’s medical premiums and decreases employer’s contribution to FICA. This is a win/win situation for both employee and employer.
As independent agents, we research various carriers for you and find the plan that best fits your needs.
Medicare Supplements – including HMO’s and Medicare Part D – are available from our office. Our best selling plan offers your choice of any doctor or hospital. This allows you to utilize the doctor/facility of your choice, whether it’s here, near your second home or your children.
LONG TERM CARE
Good News and Bad News
The good news: Americans are living longer, more active and productive lives
than past generations. The bad news: It’s easy to outlive your financial resources.
Nursing home and home health care can quickly exhaust your retirement income,
your savings and your assets. The average cost for just one year in a nursing home
can average $50,000. With inflation, these rates could triple in the next 20 years.
It’s time to ask yourself these important questions:
- Do you understand that Medicare will provide limited coverage for the cost of long term care?
- Are your resources adequate to cover the cost of long term care?
- Are you reluctant to reduce your assets to the poverty level in order to qualify for Medicaid benefits for long term care?
- Do you want choices as to where you receive your benefits?
- Do you want to protect your estate so you can pass more to your heirs?
- Doesn’t it make sense to spend a small portion of your assets in order to protect all of them?
We believe long term care insurance should be part of your retirement plan. Our plans from highly rated carries include Nursing, Assisted Living & Home Health.
The Perfect Investment Option for Safe Investing.
An excellent investment for the conservative segment of your retirement plan.
For more information, please call our office at 941-966-5606 and ask to speak with either Long Term / Home Health Care specialist – Joe Giordano.
You may also e-mail us for more information and a quick quote.