Raborn Insurance is a husband and wife team serving the states of Georgia and South Carolina for 15 years. To us insurance is about relationships. Thus, it is critical to know your needs and concerns before making recommendations. Insurance products offer tremendous peace of mind. However, you MUST feel the product fits your needs and budget. We hope our web site educates so you know the questions to ask.
Thank you for allowing us to assist with your insurance needs. Independent agents contracting with multiple life and health carriers in the states of GA and SC.
Thank you for allowing us to assist with your insurance needs. Independent agents contracting with multiple life and health carriers in the states of GA and SC.
Services
There is no charge to discuss your specific situation, our agency is paid a commission if you decide to enroll through us.
However, we do not pressure.
We are independent agents representing many carriers in Georgia and South Carolina, your needs determine the plan/carrier.
Coverage is clearly explained in the Medicare and You Handbook a copy is in our resources tab.
This handbook is updated around October of each year.
Part B- Medical expenses in or out of the hospital and outpatient treatment such as Physician services, in and outpatient medical and surgical services and supplies, limited number of drugs like injections you get in a doctor's office, certain oral cancer drugs, drugs used in some types of durable medical equipment, physical and speech therapy, diagnostic tests, durable medical equipment, blood, clinical lab services, Home health care.
However, we do not pressure.
We are independent agents representing many carriers in Georgia and South Carolina, your needs determine the plan/carrier.
Coverage is clearly explained in the Medicare and You Handbook a copy is in our resources tab.
This handbook is updated around October of each year.
Part B- Medical expenses in or out of the hospital and outpatient treatment such as Physician services, in and outpatient medical and surgical services and supplies, limited number of drugs like injections you get in a doctor's office, certain oral cancer drugs, drugs used in some types of durable medical equipment, physical and speech therapy, diagnostic tests, durable medical equipment, blood, clinical lab services, Home health care.
Hate to pay insurance premiums and never use the coverage?
I hear it all the time, I pay these high health insurance premiums and never go to the doctor.
Well, Life coverage is the one type of insurance we all know for a fact will eventually have a claim filed for benefits!
Final expenses and estate planning may be two of the more common reasons for investing in a policy.
However, there is so much more to today's life policies, return of premium option before a claim is filed, cash value builds up for retirement.
I hear it all the time, I pay these high health insurance premiums and never go to the doctor.
Well, Life coverage is the one type of insurance we all know for a fact will eventually have a claim filed for benefits!
Final expenses and estate planning may be two of the more common reasons for investing in a policy.
However, there is so much more to today's life policies, return of premium option before a claim is filed, cash value builds up for retirement.
Furthermore outside this time period you cannot enroll in coverage unless you have an acceptable Special Election Period(SEP).
SEP includes but is not limited to: moving out of your current plans coverage area, loss of group medical coverage, new born.
1. Subsidy is based on estimated income Take note, you apply for a subsidy based on projected income for the next year.
Consequently it's important to know sources of Income.
Consider: Social Security, retirement distributions, income from employer.
SEP includes but is not limited to: moving out of your current plans coverage area, loss of group medical coverage, new born.
1. Subsidy is based on estimated income Take note, you apply for a subsidy based on projected income for the next year.
Consequently it's important to know sources of Income.
Consider: Social Security, retirement distributions, income from employer.
I will attempt to make the changes which may impact you, as clear as possible.
You can reapply through the Marketplace and increase your premium tax credit/subsidy thereby reducing premiums and change your plan if you choose to do so*.
Once you submit a new application for premium tax credit/subsidy, you have 30 days to change plans if you choose to do so*.
If you are enrolled in coverage through the Marketplace and these changes would allow you to receive an increased premium tax credit/subsidy and DO NOT make changes, you will receive the extra amount when you file 2021 taxes next year.
You can reapply through the Marketplace and increase your premium tax credit/subsidy thereby reducing premiums and change your plan if you choose to do so*.
Once you submit a new application for premium tax credit/subsidy, you have 30 days to change plans if you choose to do so*.
If you are enrolled in coverage through the Marketplace and these changes would allow you to receive an increased premium tax credit/subsidy and DO NOT make changes, you will receive the extra amount when you file 2021 taxes next year.
Every carrier and every plan offer different benefits and some have waiting periods for specific benefits.
Dental mirrors medical coverage in that the use of a network, lowers your cost sharing.
The two Advantage Plus Network plans have the lowest premiums and serve you best when using network providers.
These plans have benefits for all covered services from day one.
That means if you use a network provider, network discounts enter into the billing charges.
Advantage Plus Network $2,000 offers orthodontics benefits for under age 19, and implants.
Dental mirrors medical coverage in that the use of a network, lowers your cost sharing.
The two Advantage Plus Network plans have the lowest premiums and serve you best when using network providers.
These plans have benefits for all covered services from day one.
That means if you use a network provider, network discounts enter into the billing charges.
Advantage Plus Network $2,000 offers orthodontics benefits for under age 19, and implants.
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