Need Health or Life Insurance?  We can help!

Services we offer:

Medicare Supplements

Just a little over 50% of health care costs for seniors are actually paid by Medicare and the average Medicare recipient age 65 and over has more than $15,709 in health care costs each year.*  That is where a Medicare Supplement comes in.  This coverage will help pay Medicare approved services that are not fully covered by Medicare.

* Medicare Current Beneficiary Survey, Centers for Medicare & Medicaid Services (released June, 2012)

Providers:  

Physicians Mutual, WPS Health Insurance, Humana, Anthem Blue Cross Blue Shield

Medicare Advantage

Let us assist you in understanding your options.  The Annual Open Enrollment begins on October 15th and ends on December 7th.

Medicare Advantage plans replace original Medicare and may or may not offer prescription drug coverage.  Unlike traditional Medicare, Advantage plans have their own provider network.  In order to qualify for a Medicare Advantage plan, you must be enrolled in Medicare Parts A & B.  You must also live in the service area covered by the Plan. *

*State Health Insurance Assistance Program Publication (July/2012)

Providers: 

Network Health, Humana

Medicare Prescription Drug Plans

Let us assist you in understanding your options.  The Annual Open Enrollment begins on October 15th and ends on December 7th.

Medicare Part D is coverage for prescription drugs, offered by private insurance companies.  In order to qualify for a Part D plan, you must be enrolled in Medicare Part A and/or B.  You must also live in the service area covered by the Plan. *

Wisconsin SeniorCare is a state pharmaceutical assistance program.  You must be a permanent resident of Wisconsin and be age 65 or older.  Copay and deductible amounts vary based on income. *

*State Health Insurance Assistance Program Publication (July/2012)

Providers: 

Humana, Silverscript, WPS

Marketplace/Obamacare

Get a quote button – contact us form.

Let us assist you in understanding your options.  The Annual Open Enrollment begins on November 1st for a January 1st effective date.  However, you can still get coverage in special cases, including:

•          Marriage, birth, or adoption

•          A move outside your service area

•          Loss of health coverage

•          Applying for Medicaid or CHIP

•          See full list on www.healthcare.gov

Because of the Affordable Care Act (ACA) that was signed into law on March 23, 2010 you may qualify for a tax subsidy based on household income.  We are here to guide you thru this process.  Please contact us for assistance!

Providers: 

Health Insurance Marketplace

Short/Long Term Disability

Consider these facts:

•          About 62 Million people in the U.S. have some disability that affects daily activity.

•          Approximately 2/3 of those with disabilities are younger than 65.

•          Around 3 in 10 people entering the workforce today will become disabled before retiring.

Disability insurance plays a integral role in your financial planning.  When disabled you may not only lose the ability to earn a living, but you may also loose savings, retirement funds, or even your home.

*Facts obtained from Disability and Health in the United States, 2001-2005, National Center for Health Statistics, 2008 and from the Social Security Administration Fact Sheet 2007.

Providers: 

Illinois Mutual, Auto-Owners Insurance, Guardian, Aflac, Principal Financial Group

Individual Health

Looking for coverage?  Let us assist you in understanding whether a traditional plan, temporary coverage, or marketplace plan is what will fit your needs!

Providers: 

Anthem BlueCross BlueShield, Arise Health Plan, Dean Health Plan, Humana One, Network Health, Unity Health Insurance, WPS Health Insurance, United Health One

Group Health

We provide an innovative approach to offering health coverage that will help you control costs for your business and employees alike.  Let us assist you in building and maintaining a robust employee benefits program so you can get back to running your business!

We can also assist small businesses located in Wisconsin in looking at options available thru the SHOP Marketplace any time, all year long.

Providers: 

Anthem BlueCross BlueShield, Arise Health Plan, Dean Health Plan, Health Insurance Marketplace, Humana, Network Health, Physicians Plus, Unity Health Insurance, United Healthcare, WPS Health Insurance

Accident and Cancer

Accidents happen to all kinds of people every day.  In 2007, 34.3 million people – about 1 out of 9 – sought medical attention for an injury.*  This insurance coverage pays cash directly to you, no deductibles, no life-time limit restriction or coordination of benefits.

*National Safety Council, Injury Facts (2010)

Chances are that you know someone who has been affected directly or in-directly by cancer.  In the United States, Men have a slightly less than 1 in 2 lifetime risk of developing cancer.  Women have a slightly more than 1 in 3 lifetime risk of developing cancer.**

**Cancer Facts & Figures 2012, American Cancer Society

Providers: 

Aflac

Dental & Vision

Understanding the facts can help you understand the risk:

Did you know that over 90% of systemic diseases, including heart disease, have oral symptoms.*

*Warning signs in the mouth can save lives, Academy of General Dentistry, October 2008.

14 Million Americans 12 years and older have visual impairment – more than 80% could be corrected to good vision with refractive correction.**

**Centers for Disease Control and Prevention, Vision Health Initial Fast Facts, February 8, 2012

Providers: 

Delta Dental, Ameritas, VIPA, Aflac, Anthem BlueCross BlueShield, Humana, United Healthcare

Life & Long Term Care

Life Insurance is a savings plan and insurance rolled into one. Life insurance is insurance that protects your family and/or specified dependents in the event of your death.

Long Term Care insurance generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer’s facilities.  Many individuals may feel uncomfortable relying on their children or family members for support, and find that long-term care insurance could help cover out of pocket expenses.  Without long-term care insurance, the cost of providing these services may quickly deplete the savings of the individual and/or their family.

These two products can be essential components in planning for your future and the future of your family.

Put Jaime and Katie’s 20+ years of experience to work for you!

Would you like a quote?

Call 920-346-2241 or email us today and let’s get started!

2 + 1 = ?

*Disclaimer: No coverage can be bound without a confirmation back from our agency indicating coverage is bound.

Whenever I have had a question or issue with our group health insurance plan, Katie has always responded promptly and typically with a resolution to the situation.  I appreciate her efforts and all her good work.

MarkGroup Health Insurance Customer

Jaime is extremely helpful on meeting directly with our employees, ensuring all their questions are answered and proper coverage is provided.  Nolan Insurance has been a pleasure to deal with – business and health care.  I know I’m covered properly; and at only a phone call away, all my questions are answered promptly.

DustyHealth Insurance Client