Ask a Pro
For Employers
Q: We have a group health plan that covers our employees and their families. The agent who sold us the plan is no longer in the area to handle our service needs. Everyone likes the plan we currently have but we would rather work with a local agent. Is it possible to change agents without changing the health plan?
A: Yes, you can change agents on a group health plan at any time. Just select an agent with whom you’d like to work and give the agent a letter on your company letterhead stating that you are appointing them as your agent of record. Once the insurance company receives the letter, the new agent can begin acting on your behalf to service your account.
Q: I own a business and employ 12 people. We provide health and dental insurance for our employees. The rate on the dental seems to have really gone up this year. Is it possible to change the dental portion of the insurance to a different insurance company or do the dental and medical have to be with the same company?
A: Your dental and medical coverage do not have to be with the same insurance comapny. Sometimes there are advantages to having them separated. There are several really great group dental plans out there right now with fairly reasonable rates. As an independent broker, we can get quotes from all the carriers and compare prices and plan designs for you.
Individual & Family Plans
From low to high deductible health plans to plans with office copays that will also cover alternative care, we have them all! We can easily explain the differences in each plan so you can select the coverage that’s just right for you.
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Medicare & MedAdvantage Plans
Whether it’s working your way through the Medicare maze, deciding on your Part D prescription drug coverage or finding the best long-term care insurance plan, we can help!
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Long Term Planning
There is no substitute for advance planning to protect our future and our loved ones. Whether it’s long-term care insurance, tax-deferred annuities or life insurance, we can show you several options and you select the one that best suits your personal needs.
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Dental & Vision
Dental procedures are very expensive in this day and age. We have several dental insurance plans to choose from . . . some even include an option to add vision coverage. These are available to individuals as well as employer groups.
More InformationConsulting
Our agency offers consulting services. Perhaps you have a policy that you plan to keep but want someone to look it over and explain what it covers and how it works to give you the peace of mind that you are adequately covered. This is particularly critical with some of the older long-term care and life insurance policies.
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