ACA health insurance, often called “Obamacare,” provides individuals and families with access to affordable, comprehensive health coverage. Plans include essential benefits such as doctor visits, prescriptions, preventive care, and hospital services. Depending on income, many clients qualify for subsidies that lower monthly premiums and out-of-pocket costs. I help clients compare their options, understand their benefits, and choose the plan that best fits their needs and budget.
Dental and vision insurance helps cover routine care and unexpected expenses for your teeth and eyes. These plans often include benefits for exams, cleanings, fillings, eyeglasses, contact lenses, and more. I assist clients in choosing affordable options that keep their smile and vision healthy year-round.
Medicare provides health coverage for people age 65 and older, as well as certain younger individuals with disabilities. There are several options to choose from, including Original Medicare (Part A and B), Medicare Advantage (Part C), Prescription Drug Coverage (Part D), and Medicare Supplement (Medigap) plans. I guide clients through these choices to ensure they find the right plan for their healthcare needs, lifestyle, and budget.
Indemnity health insurance, sometimes called “fee-for-service” coverage, gives clients the freedom to visit any doctor or hospital without network restrictions. The plan typically pays a set portion of the costs for covered services, and the client is responsible for the remaining balance. I help clients understand how indemnity coverage works and determine if it’s the right fit for their healthcare needs and flexibility.
Life insurance provides financial protection for your loved ones by helping cover expenses such as income replacement, debts, and future needs in the event of your passing. Whether you’re looking for term or permanent coverage, I help clients find the right policy to secure peace of mind and protect what matters most.