"I'm happy to help any way I can, even if you are not my client."
Health Insurance, Life Insurance, Medicare, Supplemental, Short-Term, and More!
As an independent agent, I am able to represent many insurance companies and a wide variety of options. I represent several companies in each of these categories.
The Marketplace is great for many people...
but not for everyone. The higher your income profile, the less value you receive from marketplace coverage. If this describes you, a private plan might be a better option.
Private plans work great if you are reasonably healthy.
You don't have to be perfectly healthy but these plans are underwritten and can be declined, unlike the Healthcare Marketplace. If your income profile is too high to get good value on the Marketplace, this is often a great place to look for better overall coverage.
If you are 65 or older, about to turn 65, or have been on
Social Security Disability, Medicare is the best insurance available, in my opinion, if set up properly.
Important factors to consider when choosing a Medicare plan include your current and reasonably expected health conditions, premiums, costs of services, and your list of prescription drugs. Medicare plans are not all the same and "one size does NOT fit all."
Life insurance comes in several forms. Which type is right for you?
A trend in recent years has been away from permanent life policies and toward term life. This works fine for many people. Others want the ability to keep their coverage throughout their lives, at rates set when they were younger, without having to requalify medically. Some want to convert to a paid-up policy later in life. Others need to borrow from their cash value at times. What is right for someone else may not suit your particular needs. Exploring your options and thinking carefully about your family and future is worth a conversation.
Listen to the "duck!" He's right! Health insurance doesn't cover everything!
We've all seen the commercials during football games, etc, where we hear how health insurance doesn't cover all the costs, and how supplemental insurance can fill those gaps. It's true! I have personally seen many occasions where a supplemental policy saved the day for someone. They aren't for everyone, but they certainly are worth a look.
Between jobs or insurance plans? A short-term plan could be a smart option.
Short-term policie can protect you and your family for a temporary period between one month and three years. Designed primarily as a backup plan against catastrophic costs, many will cover urgent care visits and primary doctor visits without having to pay a deductible.
All rights reserved. Rick Carpenter, JD.
© 2019
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