L Thomas Insurance provides comprehensive options for individual and small group health insurance. Get free quotes from major health insurance carriers, and let us submit your application. We assist seniors with Medicare enrollment and Medicare supplements, and you can also purchase dental plans, long-term care insurance, and life insurance. Reach out to us by phone or email.
Our dedicated team is here to help, and we can assist Creole and Spanish-speaking clients. After-hours appointments are available for meeting in the evening. We are an independent insurance agency in North Fort Myers, Florida. Leland Thomas, our owner, has more than 27 years of experience in the insurance business. We broker medical insurance policies with Humana, AETNA, UnitedHealthcare (UHC), Freedom Health, and others.
The life insurance companies we work with include Foresters Financial, Americo, Transamerica, AIG, Mutual of Omaha, and United American.
Our dedicated team is here to help, and we can assist Creole and Spanish-speaking clients. After-hours appointments are available for meeting in the evening. We are an independent insurance agency in North Fort Myers, Florida. Leland Thomas, our owner, has more than 27 years of experience in the insurance business. We broker medical insurance policies with Humana, AETNA, UnitedHealthcare (UHC), Freedom Health, and others.
The life insurance companies we work with include Foresters Financial, Americo, Transamerica, AIG, Mutual of Omaha, and United American.
Services
I would like to commend my Insurance Agent Mr. Leland Thomas for the excellent job he is doing in the community.
I met him at a friends house approximately 6 years ago he was helping her to understand her policy.
Since then we became acquainted and when I reached the age if 65, he was there to explain the process and point me in the right direction.
When it was time for my husband to participate he was right there with his knowledge to help us with our decisions.
Each year he would follow up and point out what was new and give us his professional advice.
I met him at a friends house approximately 6 years ago he was helping her to understand her policy.
Since then we became acquainted and when I reached the age if 65, he was there to explain the process and point me in the right direction.
When it was time for my husband to participate he was right there with his knowledge to help us with our decisions.
Each year he would follow up and point out what was new and give us his professional advice.
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.
You earn Part A by paying taxes toward Medicare while working for 10 years (or 40 quarters).
If you did not earn Part A, you will pay a premium.
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.
This includes hospital stays, skilled nursing care, hospice, and home health-care services.
You may have to pay various deductibles, coinsurance, and copayments.
You earn Part A by paying taxes toward Medicare while working for 10 years (or 40 quarters).
If you did not earn Part A, you will pay a premium.
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.
As people age or become ill, they sometimes need help doing daily tasks like getting dressed, bathing and more.
Long-term care (LTC) provides people with those services-but it's expensive.
Long Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age.
Rising life expectancy means that the potential need for "long-term care" grows with every passing year of your life.
Long-term care (LTC) provides people with those services-but it's expensive.
Long Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age.
Rising life expectancy means that the potential need for "long-term care" grows with every passing year of your life.
Final expense needs are usually covered with a whole life insurance policy.
The benefits of whole life insurance include a guaranteed level premium that can never be increased, guaranteed cash value and a guaranteed death benefit that can never be decreased.
The cost of final expense coverage is very affordable, even if you have some health problems.
The application process is quick and easy.
You can apply for final expense insurance coverage without having to undergo any medical examination - you simply answer the questions on the application.
The benefits of whole life insurance include a guaranteed level premium that can never be increased, guaranteed cash value and a guaranteed death benefit that can never be decreased.
The cost of final expense coverage is very affordable, even if you have some health problems.
The application process is quick and easy.
You can apply for final expense insurance coverage without having to undergo any medical examination - you simply answer the questions on the application.
Dental insurance is a type of health insurance designed to pay a portion of the costs associated with dental care.
Indemnity (or sometimes called: true dental insurance) which allows you to see any dentist you want who accepts insurance.
Dental Health Managed Organizations (DHMO) in which you are assigned to an in-network dentist or in-network dental office and must stay within that network to receive your dental benefits.
Vision insurance is a form of insurance that provides coverage for the services rendered by eye care professionals such as ophthalmologists and optometrists.
Indemnity (or sometimes called: true dental insurance) which allows you to see any dentist you want who accepts insurance.
Dental Health Managed Organizations (DHMO) in which you are assigned to an in-network dentist or in-network dental office and must stay within that network to receive your dental benefits.
Vision insurance is a form of insurance that provides coverage for the services rendered by eye care professionals such as ophthalmologists and optometrists.
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