I have been in the insurance industry for 14 years focusingprimarily in the Senior Market. I started this journey as an insurance agent (sitting around kitchen tables talking about Medicare, and life insurance) I began with NYL, andthen I realized the market needed to have " Trusted Subject Matter Experts" that were unbiased, could oversee all the plans, and do the best for theSenior. Now we could finally advocate and offer the 13K seniors turning 65daily a plethora of options to find the right health plan & drug plan.We also assisted with all state and federal programs to help lower their RX costs . With the passage of the Affordable Care Act their was a paradigm shiftin the way employers offer coverage with a push towards preventive medicine& reduced hospital admissions. We are working with physicians and hospitalsto help improve the patient outcomes. We now have a shift from FFS to valuebased care. With the Social Determinants of Health now being recognized asmajor contributors in healthcare costs / outcomes we are collaborating withMeals on Wheels, Taub Foundation & others to “ Share One Voice “ to addressthese issues. The lighthouse Financial Service prides themselves asvisionaries who can provide education & solutions for these complex changesin healthcare.
Licensed in the following states: AZ, CA. DE, FL, LA, NJ, NY, PA &TX.
Disclaimer: “We do not offer every planavailable in your area . Currently, we represent 10 organization, which offer39 products in your area. You can always contact Medicare.GOV, 1-800-Medicare,or your local State health insurance program (SHIP) to get information on allof your options.”
Competition = Lower Costs
The insurance industry includes hundreds of different companies hoping to earn your business. It is a very competitive market and it pays to shop around for the very best deals. This is where we come in.
Whether you're searching for Life Insurance, Annuities, IRA's and other retirement strategies, Health Insurance or 'ObamaCare' or Medicare, you must be well-informed and well-advised to get the most out of your premium dollars. An experienced and independent agent who represents multiple insurance carriers can make a huge difference in what you pay for coverage.
Medicare Insurance
Medicare by itself has a high deductible for hospital admission for 2024 it's $1,632, and Part B $240 and it only pays 80% of eligible doctor costs. A serious illness could set you back many thousands of dollars. A Medicare Supplement or Medicare Advantage policy covers all or most out-of-pocket medical expenses providing you with peace-of-mind and potential savings. Let us guide you in sorting through the numerous Medicare options. We can also help you in choosing a Medicare prescription plan Part D that includes your specific medications.
Individual and Group Health Insurance The ACA.
Nearly everybody is confused about their healthcare options - and rightly so. You can't rely on politicians or media reports for a clear and unbiased explanation. You want the facts, not opinions. We'd be happy to evaluate your current coverage and present you with side-by side comparisons of alternatives.
Long-Term Care and Final Expense Insurance
Long-Term Care Insurance gives you the financial means and the support options you desire. Whether you require in-home visits, assisted living or skilled nursing care, Long-Term Care Insurance lifts the burden from those around you, improving the quality of life for yourself and for everyone you hold dear.
Your family will always come first. You wouldn't want them to bear huge and unexpected financial burdens at the time of your passing. No matter what your age, it's absolutely essential to have a plan in place to protect your loved ones when you are no longer able. Final Expense insurance will pay for your funeral service, bills and other associated costs.
Why Should I Call This Agency for Insurance?
Good question. There are a lot of insurance agents out there and it may seem like any agent or broker is as good as another. But we are decidedly different.
Let's face it, insurance jargon can be very confusing. We know the ins and outs of the insurance business, and our inside knowledge of many companies and many products will work to your advantage. In fact, different insurance companies often charge vastly different premiums for the exact same coverage. As independent agents we are not employed by one particular company. Instead, we can select insurance products from among those companies that best address your unique concerns.
We promise to focus our attention on your benefit exclusively.
Please don't hesitate to call us with your questions no matter whether you are already a valued customer, a potential client or if you simply need expert advice. There will never be a charge for our assistance or for a friendly, no-obligation chat.
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