S.H.I.P. is a group of volunteers who offer their time to help seniors shop for insurance and de-clutter the pile of mail when you turn 65. They are not licensed agents and not required to carry the responsibility of making sure they lead you in the right direction for your lifestyle, family, health, situation. Each year a group of people from all different backgrounds come together to be trained on how to help you, the Medicare beneficiary, learn your options and "figure it out". Their information is often a few months old and just a list of insurance companies you call to get your questions answered. You will learn something but are often left confused and seeking the aid of a Medicare Insurance Specialist.
Brokers are responsible for all of the above. By law, brokers are to be current on licenses, training, and all details that people want and need to know. If we lead you the wrong way, we are held legally responsible. We never hand you a pile of homework since we do all the research for you and take the time to be sure you fully understand.
A Medicare Advantage plan is a plan offered by a private company that contracts with Medicare to provide Part A and Part B benefits to people with Medicare who enroll in an Advantage plan.
Medicare Supplement (Med Supp) plans are just that, supplemental plans that work in tandem with Medicare Parts A and B. Medicare Supplements are used to cover the gaps of Parts A and B and are designed to lower out-of-pocket costs.
Life Insurance and Final Expense are products that allow our clients to provide financial protection for themselves and their loved ones.
Long-term care and recovery are two of the biggest issues when it comes to out-of-pocket costs for clients. Many of our clients are Medicare age or will be soon and with that comes the realization that two of Medicare’s biggest gaps are in regards to long-term care, both in-home care and long-term care facilities, as well as short-term recovery and private nursing services
Medicare plans and major medical plans often have certain gaps that can leave retirees and their families responsible for out of pocket costs. Some of these gaps are dental work, eyeglasses/contacts, and, in some cases, hearing aids.
Prescription drug plans help our clients afford their prescriptions and have peace of mind knowing that they won't have to choose between which prescription to fill when money gets tight.