Service is Ki. Since 1992
Do you want an experienced agent to help you? Do you want someone to stay updated on the changing world of Health Care? Do you want someone communicating with the Insurance company on your behalf? That's our commitment to you!
Choosing a Health plan isn't always easy. There's a universe of options for Medicare, Individual and Group Insurance. There are Tax Credits, Medical Assistance, MN Care and many other programs. What are the pros and cons of each option? How does your risk tolerance, medical usage, rate structure and family dynamics fit to get an effective plan based on your situation? We will get your feed back after a series of questions and discussions and help you decide on a Health Plan.
We assist throughout the year with reminders and updates. Have you ever had an issue with medical claims, or administrative and billing problems? We can save you time and headaches expediting these issues. Because plans, people and things always change, reviewing your situation during Annual Open Enrollment is essential to make possible changes to your Health Plan.
In addition to Original Medicare A and B, you'll need a medical and prescription option. There are various types of Medicare Supplement (Medigap) choices. You may also get a separate Medicare D Rx option. Other options are various Advantage Plans (Part C). These plans include medical, Rx, Dental and vision. Both options may serve you well. Understanding how they differ and how it affects you is essential. So, we'll look at options both objectively and subjectively. We will continue to review changes to you and the industry.
Because Individual plans have very limited Networks for choosing providers, we look at your doctor/hospital choices. Furthermore, do HSA qualified plans or Co-Pay plans work best for you? Are you eligible for Tax Credit premium reduction? or, other programs? Saving you money with least amount of risk for out of pocket is a goal. This market is volatile. There will be many reminders and updates for you.
Is a Small Group option best for your Company? Or, are you an employee with a group plan option? Comparing Group option to possible Individual option is a start. We'll look at the various ways the two categories differ and how it affects you.
We broker many insurance companies, and look at options to fit your situation.