I am an independent licensed Broker in Health and Life Insurance. I am licensed in Ohio, West Virginia, and Pennsylvania. I have a Masters in Healthcare Administration, a Bachelor of Arts in Psychology, and an Associate of Applied Science in Occupational Therapy. I am a Licensed Nursing Home Administrator in Ohio, and Pennsylvania, as well as a Licensed and Certified Occupational Therapy Assistant.
I began my career in 1999 and worked with the elderly in various environments providing quality care, and management. I began consulting in 2013, and became a Broker in 2013. I saw a need in the Medicare market for service and education. I believe in the care continuum, and assisting the client through the care continuum. I believe that planning and making educated decisions in the beginning is crucial to their quality of life.
I choose to be a Broker to ensure that I offer choice and work for the client in an ethical manner. An Individualized approach, and choice of carrier and service is what I believe in, assessing the whole picture from a holistic approach.
I began my career in 1999 and worked with the elderly in various environments providing quality care, and management. I began consulting in 2013, and became a Broker in 2013. I saw a need in the Medicare market for service and education. I believe in the care continuum, and assisting the client through the care continuum. I believe that planning and making educated decisions in the beginning is crucial to their quality of life.
I choose to be a Broker to ensure that I offer choice and work for the client in an ethical manner. An Individualized approach, and choice of carrier and service is what I believe in, assessing the whole picture from a holistic approach.
Services
This type of health plan covers you in specific instances, allowing you to choose any doctor of hospital without penalty.
Optionally, you can also access the PHCS Multiplan Network for great savings without any additional cost.
This type of coverage protects your financial security (as well as that of your loved ones) in the event of a critical illness, such as cancer, stroke, or heart attack.
These types of events can put a financial strain on your family, so this coverage provides benefits for things such as deductibles, rehabilitation, treatments that aren't covered by your existing insurance, prescriptions, and even bills, expenses, and wages lost as a result of this illness.
Optionally, you can also access the PHCS Multiplan Network for great savings without any additional cost.
This type of coverage protects your financial security (as well as that of your loved ones) in the event of a critical illness, such as cancer, stroke, or heart attack.
These types of events can put a financial strain on your family, so this coverage provides benefits for things such as deductibles, rehabilitation, treatments that aren't covered by your existing insurance, prescriptions, and even bills, expenses, and wages lost as a result of this illness.
Permanent life or Whole life plans have level premiums.
The policy can remain in-force for an entire lifetime because the premium is guaranteed to never increase.
Whole life policies also feature a tax-sheltered cash accumulation account.
Term life is sometimes called temporary life insurance and is meant to cover a term of your life.
Premiums remain level for the duration of the term, usually 10, 20, or 30 years.
However, after the initial term, the premium will increase every year and may become un-affordable.
The policy can remain in-force for an entire lifetime because the premium is guaranteed to never increase.
Whole life policies also feature a tax-sheltered cash accumulation account.
Term life is sometimes called temporary life insurance and is meant to cover a term of your life.
Premiums remain level for the duration of the term, usually 10, 20, or 30 years.
However, after the initial term, the premium will increase every year and may become un-affordable.
A fixed annuity is a type of annuity contract that allows for the accumulation of capital on a tax-deferred basis.
In exchange for a lump sum of capital, a life insurance company credits the annuity account with a guaranteed fixed interest rate while guaranteeing the principal investment.
A fixed annuity can be annuitized to provide the annuitant with a guaranteed income payout for a specified term or for life.
Fixed annuities are contracts issued by life insurance companies to individuals looking for guaranteed rates of return without any risk to principal.
In exchange for a lump sum of capital, a life insurance company credits the annuity account with a guaranteed fixed interest rate while guaranteeing the principal investment.
A fixed annuity can be annuitized to provide the annuitant with a guaranteed income payout for a specified term or for life.
Fixed annuities are contracts issued by life insurance companies to individuals looking for guaranteed rates of return without any risk to principal.
Selecting the right Medicare plan is complicated.
If you select the wrong plan you may have to wait an entire year to change to one that better meets your needs.
We are here to help and our services are provided at no cost to our clients.
Whether you're new to Medicare, getting ready to turn 65, or preparing to retire, you'll need to make several important decisions about your health coverage.
If you wait to enroll, you may have to pay a penalty, and you may have a gap in coverage.
A Medicare supplement, sometimes called a Medigap policy, can help pay some of the costs that original Medicare doesn't cover, like co-payments, co-insurance, and deductibles.
If you select the wrong plan you may have to wait an entire year to change to one that better meets your needs.
We are here to help and our services are provided at no cost to our clients.
Whether you're new to Medicare, getting ready to turn 65, or preparing to retire, you'll need to make several important decisions about your health coverage.
If you wait to enroll, you may have to pay a penalty, and you may have a gap in coverage.
A Medicare supplement, sometimes called a Medigap policy, can help pay some of the costs that original Medicare doesn't cover, like co-payments, co-insurance, and deductibles.
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