In a hot market, job seekers are looking for competitive pay and a solid benefits package. Are your benefits up to date? Or perhaps you don’t offer benefits to your staff? Either way, I can help. Benefits are essential in today’s job market for keeping good employees and attracting top candidates. And it costs you $0 to offer - unless you prefer to fund part or all of the expense. It’s totally up to you. Let’s schedule time to meet and discuss a benefits program that best fits your needs.
One call, one place for your individual, family, business and employee insurance:
Call, message, or email me to schedule time to discuss your specific needs. Or stop in our office for some coffee and conversation. Address is in bio👆 I look forward to helping you!
Deductible & Coinsurance
In addition to your monthly premium, your deductible is the amount of money you have to pay out-of-pocket for covered medical expenses before your insurance company starts helping with costs. The amount the insurance company pays after you meet the deductible will depend on your coinsurance percentage.
Let’s say you purchase a health plan with a $3,000 deductible and 20% coinsurance. You receive two procedures during the year you have the plan, one that costs $1,000 and another that costs $2,500. You would have to pay the full $1,000 for the first procedure plus $2,000 toward the second procedure. After that, you would only have to pay $100 (20%) of the remaining $500. Your insurance company would pay for the rest. In the event you need additional health services later in the year, you would continue to pay 20% of the costs.
The deductible, therefore, does not represent the maximum amount you have to pay before an insurer pays for everything. It represents the total amount you must pay before the insurance company helps you pay for a percentage of your care. If you’re looking for the maximum amount of money you will ever pay for care in a given year, that’s when you should pay attention to your plan’s …
Call me at (954) 817-4852 to schedule a free consultation today!
Insurance solutions for life. At home and at work, we have coverage options to protect you, your family, your business and your employees. See my bio☝️for a partial list of offerings. Then call or message me for full details.
There aren’t enough hours in a day to get everything done. That’s what I hear quite often from small, growing businesses. You have a lot on your plate, and the last thing on your mind is insurance. But it’s very important to have you, your business and your employees covered. We have a number of solutions to protect you against the unexpected, as well as investment options to help as you grow. Business, health and life insurance advice from a company with 35+ years experience. Call, message or email me to schedule time on your calendar. I look forward to helping you! Referrals available upon request.
Recent empty-nester: so the kids are off to college, but that doesn’t mean your life insurance needs end. You may need to support your children through the college years to help pay for tuition, room and board, books, or even clothing. If your household runs on two incomes and you still have major debts to pay off like a mortgage, you need the protection of income replacement. Depending on your age, you may also have a while to go before you have enough retirement savings.
At this stage in life, a policy that has a death benefit your spouse could use to cover expenses if one of you dies. The policy can also build cash value to supplement your retirement savings may be the most suitable. You could choose to go with a term plan that converts to permanent insurance or go straight for a permanent policy depending on your needs. For example, if you’re 55 and looking to have cash value in a policy by the time you’re 65, then a permanent plan may be best because it could take that long for the policy to build cash value. This usually takes 8 to 10 years for whole life insurance policies, according to a Kiplinger Magazine article.
If you don’t need supplemental income as fast, you could get a 10-year convertible term plan. So by the time you’re 65, you could have a whole life policy, and when you reach 75, you could have cash value in the policy. One thing to keep in mind when converting a term plan is that insurance companies usually only allow you to do this before you turn 65, according to the Texas Department of Insurance.
I can help provide you with more guidance on making that decision, and answer any questions you may have. Give me a call today to set up an appointment.
If you decide #VisionInsurance is right for you, start with looking for plans in your area with a good network of providers. If you have a specific doctor you want to see, make sure he or she is included in the plan. #HealthCare
Looking for health insurance that's affordable? Lets talk today.... I'm here to offer the BEST solution for you and your family. If you don't have any coverage or paying too much let's chat today. I can put you in a better position when it comes to your healthcare. Call me at 678-554-9004.
Fun fact Rodents grow their front teeth (incisors) throughout their life. Humans don't, We get baby teeth, adult teeth and sometimes grandpa (false) teeth. So keep them clean and cared for!
Need Dental and vision insurance plan? Call me Alaina 727-542-4512
2 864:05 PM May 23, 2018
This product uses the Instagram API but is not endorsed or certified by Instagram. All Instagram™ logos and trademarks displayed on this application are property of Instagram