What we do!

Senior’s Choice Strives to Educate as many as possible with the easiest to understand information. Making it easier to understand several important factors, like knowing the difference between Medigap and Original Medicare. Knowing what to look for in Mailings so you can identify a scam, and many more. We are happy to take the time to cover everything you want to know. 

Senior’s Choice has a wide variety of Supplement plans available and the ability to not just give you a quote, but also give you an idea of what to expect with the plan.  As well as all of the extras you will want to go with them.

 Senior’s Choice is independent and that means we are licensed and certified with most of the Medicare Advantage Companies to give you the most options we can. We know shopping for plans can be a struggle, but we make the process much easier with comparison sheets and easy to understand explanations.  

The biggest “Gap” in Advantage plans are the Inpatient Hospital Co-pay. It isn’t really a gap as on an advantage plan it is still much cheaper than regular insurance, however, it is the biggest copay, and we have a plan to offset that. A Hospital Indemnity pays out a lump sum based on how many days you were in the hospital. The amounts vary but match closely with Advantage plans. 

Stand alone Prescription Plans are available. It is Important to make sure you have Part D coverage, so you do not pay a late enrolment penalty later. We have a large selection available to help cover those who don’t have any prescriptions to those with some of the more expensive ones. We won’t just sell you a plan, you will understand how the plan works and what you can expect to pay before you leave. 

There is pretty good coverage for the health plan portion of cancer, But the expenses do not end there. There is a large number of costs that you can’t run through a health care plan, like losing weight and having to buy new clothes, travel expenses for yourself, or family you want to have with you like transportation or lodging. A cancer plan will pay out if you get a diagnoses. No strings attached for whatever you need. They are a very affordable way to take stress you don’t need out of the equation.

 These are what we call help while you figure it out plans. They generally are good for 1 year from the time you get a diagnoses that qualifies for payments. Many are very good and pay daily for a large number of different services beyond just in home health care. With prescription benefits that could pay your premium back on these plans, they are worth a look. Benefits renew after being healthy after a specified time period, so you won’t have to use it and lose it.

Annuities and life insurance are both available. We can also do Long Term Care plans, but more modern plans have started doing Hybrid annuity or life insurance plans. This means that You can use the death benefit from your life insurance or annuity to pay for long term care. This is something to consider when looking at getting life insurance or annuities. We will gladly cover what is available and how they work so you understand what you are buying and the coverage you can expect. 

Home and Auto is always changing. Rates will always be going up, sometimes a little, sometimes more. You should check once a year to make sure you are still getting the coverage you need at a price that works for you. Having an agent helps understand why there are rate changes and what is going on in the industry that is affecting you.

Landlords have their coverage, but it certainly is worth having your own. Just because you don’t own the home doesn’t mean you don’t have valuables that can be covered. Make sure you are covered so you know you aren’t going to be starting all over again.  

We have experts in Commercial Insurance. From small businesses to big ones, we have coverage for what you need. No selling you the cheapest option with no help when you need it. Get experts that understand what you need covered, and what the insurance companies expect you to have in order to issue that coverage, so you don’t have to keep applying. Just one smooth process start to finish.

Medicare covers emergency rooms overseas on a reimbursement bases. Some plans have a copay. That’s it. End of health care from your health plan in another country. If you are in the emergency room when your plane takes off, there is no coverage. Travel insurance is what we use for that. It will cover expenses like lost luggage, transportation changes and fees, extra nights in a hotel, and some health coverage. Don’t let your vacation become an overpriced stress trip, get coverage so you can focus on enjoying your vacation.