Medicare Supplements
We Make Them Simple… Medicare Supplements provide payment of the coinsurance and deductibles for health services approved but not paid by Medicare. When should I sign up for Medicare? We recommend signing up for Part A (Hospital) 2-3 months prior to your eligibility, usually the first of the month in which you turn 65. If...Learn More→
Medicare Part D
Prescription Drug Plans Medicare Part D counseling and enrollment are available in our office as a value-added service. We access all available plans in your zip code. Is enrolling in a Medicare Part D Prescription Drug Plan Mandatory? The short answer is “NO.” However, over 85% of enrollees are satisfied with their drug plan, 91%...Learn More→
Medicare Advantage (Part C)
Disclaimer per Centers for Medicare & Medicaid regulations: “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.” Medicare Advantage Plans are replacements of Original Medicare and are...Learn More→
Long Term Care
Long Term Care Insurance / Combination Insurance provides cash benefits to pay the cost of Home Health Care, Assisted Living Facilities, or Nursing Homes. Doesn’t Medicare pay for Nursing home Care? It can, but often does not. Medicare has stringent guidelines to qualify. Many assume a benefit that doesn’t exist under Medicare provisions. Who needs...Learn More→
Life Insurance
Cash when needed most The insurer agrees to pay a sum of money to your beneficiaries when you die. Income replacement, mortgage payment, generational wealth transfer, and final expenses are some of the more common needs for cash at the time of death. Who needs life insurance, and what is best for me? At Schwartz...Learn More→
Dental, Vision, and Hearing Insurance
Dental insurance plans reduce the cost of dental care. Plans pay a portion of your preventive, basic, and major treatments. MOST plans cover 100% of the cost for annual checkups, bitewing x-rays, and routine cleanings. Vision and Hearing insurance can help pay for exams, eyewear, and hearing aids. We offer plans from major insurers. Quotes...Learn More→
Cancer/ Critical Illness Insurance
Cancer/Critical Illness insurance provides a lump sum upon the diagnosis of cancer, heart attack, stroke, or other chronic disease. You decide how you will use the funds. Who needs it? Cancer or critical illnesses do not discriminate age or gender. We all know someone who has had cancer, children and adults. But I have good...Learn More→
Annuities
GROW and PROTECT …help you GROW and PROTECT your retirement income. They are a long-term contract with an insurance company. They are conservative savings vehicles that will GUARANTEE either immediate or future income in the form of regular payments. When is an annuity appropriate? At Schwartz Insurance Agency, LLC we listen carefully to your concern...Learn More→
Individual Major Medical Insurance
Affordable Care Act (ACA or “Obamacare”) . . . Is health major medical insurance for those not eligible for Medicare. The plan was designed to help reduce the cost of health insurance coverage for individuals who qualify. The law includes premium tax credits and cost-saving reductions to help lower expenses for lower-income individuals and families....Learn More→