West Virginia employee benefits consulting must be considered in the intricate business world. These offerings extend beyond superficial perks; they are the bedrock of attracting and retaining top-notch talent. As an experienced health insurance agent specializing in West Virginia’s healthcare landscape, I’ve had the privilege of guiding numerous businesses in the state through the complex realm […]
We all age – it’s an undeniable part of life. As a health insurance agent specializing in Medicare plans for over a decade, I’ve had countless conversations about how important it is to have a solid plan for healthcare as we grow older. One conversation always comes up about 2023 Medicare Supplement plans, also known […]
The Importance of Personalization in Health Insurance Plans in West Virginia Hey there, folks! If you’re in West Virginia and looking for personalized health insurance plans tailored to your needs, you’ve come to the right place. I’m your friendly neighborhood health insurance specialist. I’m here to share some expert tips to help you find the […]
Over the years, I’ve helped countless individuals and families in West Virginia navigate the often confusing world of health insurance. Today, I’m here to spill the beans on the secret to saving big on your health insurance premiums. Trust me, it’s not rocket science, but it does require a bit of know-how and some smart […]
Original Medicare Parts A&B has gaps and does not fully cover your medical services. The most significant gap you’ll need coverage for is your Part B coinsurance, except for some preventative care services, which are covered at 100%. Most outpatient care services, such as doctor visits, outpatient surgeries even chemotherapy, are covered by only 80% […]
Suppose you already have Medicare Parts A&B, well. In that case, it is an extra expense, but considering that, you would be responsible for paying 20% of your outpatient services with only original Medicare benefits as your coverage. It also means shelling out money for deductibles and copays related to hospital stays and skilled nursing […]
A buy-sell life insurance policy is a type of life insurance policy that is designed to help business owners or partners transition ownership of their business in the event of death, disability, or other unforeseen circumstances. The policy provides the funds necessary for the surviving owners or partners to purchase the deceased or disabled owner’s […]
Medicare Part D: Was created to provide coverage for outpatient medications that you pick up at the pharmacy or order via mail order and administer to yourself. Most people will get their prescription coverage through a standalone Part D drug plan offered by a private insurance carrier. Or through a Medicare Advantage plan that includes […]