Whether you are looking for health insurance for yourself, your family, or your business, we are here to help you find a solution that fits your exact needs. Thirty percent of US households do not carry any life insurance coverage, and fifty percent say they don't have enough. Schedule an appointment today to review your life insurance needs.
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James is a longtime resident of Reno, and loves to help educate clients about their insurance options.
An eagle scout and graduate from the University of Nevada, Reno, he prides himself on sharing his expertise and knowledge by helping families and small business owners make sound insurance decisions.
James is an avid motorcyclist, and he and his family enjoy spending their time in the outdoors camping, skiing, and exploring.
An eagle scout and graduate from the University of Nevada, Reno, he prides himself on sharing his expertise and knowledge by helping families and small business owners make sound insurance decisions.
James is an avid motorcyclist, and he and his family enjoy spending their time in the outdoors camping, skiing, and exploring.
Medicare Part B covers your doctors services, labs, x-rays, durable medical equipment, preventative care, mental health, and other outpatient services.
You'll pay a monthly premium for this that may change from year to year.
Medicare Advantage Plans (Part C) allow individual insurance companies to offer all inclusive plans that replace your Parts A & B. Care is received in a more traditional manner, typically through a provider network.
Part D covers prescription drugs.
Unlike Parts A & B, you need to purchase a 'Part D Drug Plan' from an insurance company in order to receive these benefits.
You'll pay a monthly premium for this that may change from year to year.
Medicare Advantage Plans (Part C) allow individual insurance companies to offer all inclusive plans that replace your Parts A & B. Care is received in a more traditional manner, typically through a provider network.
Part D covers prescription drugs.
Unlike Parts A & B, you need to purchase a 'Part D Drug Plan' from an insurance company in order to receive these benefits.
Medicare supplements and Advantage plans solve the same problem, but take two differing ways in providing that solution.
Medicare Supplements work along side your Parts A & B, providing additional benefits that aren't covered by Original Medicare.
This includes covering the 20% that would be your responsibility if you chose to have only Parts A & B. It is a great option for those who want flexibility in their doctor choices.
Medicare Advantage plans also provide benefits that are not covered under Parts A & B, but they do it by passing your care and insurance off to the insurance company of your choice.
Medicare Supplements work along side your Parts A & B, providing additional benefits that aren't covered by Original Medicare.
This includes covering the 20% that would be your responsibility if you chose to have only Parts A & B. It is a great option for those who want flexibility in their doctor choices.
Medicare Advantage plans also provide benefits that are not covered under Parts A & B, but they do it by passing your care and insurance off to the insurance company of your choice.
Part D plans are available to cover the cost of your prescription medications.
While plans may vary in the level of benefit they offer, all plans are subject to the cost sharing described below.
Part of this cost sharing is usually described as the "Donut Hole".
The 2017 annual Part D deductible is $400.
For some plans, that means that before your plan kicks in for any expenses, you may have to pay the first $400 out of pocket.
During initial coverage, your plan will split the cost of Rx drugs until you have paid a total of $3,700 out of pocket, either through copays or coinsurance.
While plans may vary in the level of benefit they offer, all plans are subject to the cost sharing described below.
Part of this cost sharing is usually described as the "Donut Hole".
The 2017 annual Part D deductible is $400.
For some plans, that means that before your plan kicks in for any expenses, you may have to pay the first $400 out of pocket.
During initial coverage, your plan will split the cost of Rx drugs until you have paid a total of $3,700 out of pocket, either through copays or coinsurance.
Through Healthcare.gov, we can help you find a plan that offers you access to subsidies to help offset the monthly cost of your health plan and make it affordable.
Coverage is available "off-exchange" by purchasing a health insurance plan direct from the insurance company.
When you are looking for more options, this is the route to take.
Sometimes you just need coverage to cover you between jobs.
Short term policies are available to cover any gaps you may have when moving from one job to another.
Coverage is available "off-exchange" by purchasing a health insurance plan direct from the insurance company.
When you are looking for more options, this is the route to take.
Sometimes you just need coverage to cover you between jobs.
Short term policies are available to cover any gaps you may have when moving from one job to another.
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