Be Proactive Instead of Reactive
Our services
Medicare
Some things to know: Medicare Part A covers your hospital expenses. This includes hospital stays, skilled nursing care, hospice, and home health-care services. You may have to pay various deductibles, coinsurance, and copayments. Medicare Part B covers services that treat illnesses or conditions such as doctor’s office visits, lab work, x-rays, and outpatient surgeries. It also covers preventive services like cancer screenings and flu shots. Original Medicare doesn’t cover prescription drugs. Although Medicare Part D coverage is optional, it can be valuable if you take medications. Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. These "bundled" plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare drug coverage (Part D).
Employee and Voluntary Benefits
I am able to help Small Business Owners with offering additional benefits to their employees. The job market is very competitive, and being able to offer more than just medical insurance makes you much more attractive. Just a few include; Accident Plans, Hospital Plans, Cancer Care, Short Term Disability, Dental, Vision, etc as well as Group Life Insurance. There are tax and incentive implications that you can benefit from as well by having these plans available.
Covered California
For us Californians, we are required to be enrolled in a qualified health plan that meets the Government's requirements. If you are not able to do so through your employer, I am able to assist you with that through Covered California.
Life Insurance
Life Insurance may be one of the most important purchases you make. Whether you choose myself, or another agent, just make sure you have something in place! I am able to offer multiple options for both Whole Life and Term Life.