Call 352-232-9295
Call 352-232-9295
Steve brings over 50 years of customer service experience to his clients providing them with information so they may make informed decisions for insuring their health from illness, as well as securing financial security for their families against personal loss from "end of life." Steve is appointed with all major carriers for Under 65 Individual Health Insurance, Medicare, Life Insurance, Final Expense Insurance, Accident and Disability Insurance. He is married and lives in Brooksville, Florida.
The best thing about turning 65 is Medicare. Although, as you are celebrating your newly found senior benefits, you will also have to figure out the maze called "HEALTHCARE FOR SENIORS." My first two years on Medicare Health Insurance I had Medigap and PDP plans. It took me those two years to get my feet on the ground to learn the most efficient and premium worthy healthcare for my lifestyle and situation. Now I have an MAPD plan. I came to believe it is all about personal circumstances when it comes time to choose a healthcare plan. My efforts will always be founded in customer service, providing you with all the information necessary to make an informed decision on your healthcare.
I will help you access your needs and circumstances and present options for you to choose what is best to secure financial PEACE OF MIND against material loss from family End Of Life issues. I am appointed with the highest rated and most cost effective Life Insurance companies. Never any pressure. My goal is to provide education and knowledge so you may make informed decisions to protect loved ones.
I will provide information and access to stand alone Dental and Vision products as well as help you navigate the individual healthcare marketplace for Major Medical, Disability and Supplemental Health products so you may make informed decisions.
Please contact us if you cannot find an answer to your question.
Deductible is a term you might have heard in connection with your health insurance costs. But what exactly is a deductible? Here’s what it actually means: Your annual deductible is typically the amount of money that you, as a member, pay out of pocket each year for allowed amounts for covered medical care before your health plan begins to pay. This excludes certain preventive services that may be automatically covered. Deductibles can be high or low, depending on your plan, and that may affect how you pay for health care costs.
Copayments: Fixed dollar amounts of covered health care—usually when you receive the service. (For example, you might pay a $25 copay when you see your primary care provider (PCP).) Your plan determines the price of your copay and whether it’s owed before or after you meet your deductible.
Coinsurance: You likely won’t pay coinsurance, calculated as a percentage of shared costs between you and your health plan, until your deductible is met. Typical coinsurance ranges from 20 to 40% for the member, with your health plan paying the rest.
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