In recent years, the healthcare market has become quite confusing and certainly difficult to navigate! Even if you have insurance provided by your employer, it is hard to know if those coverages are going to be adequate for the needs of you or your family. While cost is important, it is money wasted if it is inadequate to meet your needs.
Navigating the Marketplace can be confusing and when dealing with the IRS it can be costly if you are not experienced. Not knowing the product, you signed up for can be frustrating and a waste of money on a plan that didn’t meet their individual or family needs. Our educated and licensed agents can use their expertise to help guide, direct and navigate clients through the Marketplace or look at other options to best fit their healthcare needs. They can help you understand how your coverage will actually work. Since shopping through a licensed agent doesn’t cost any money, it is easy to see that it is a smart way to go.
An agent is also available to you every year during the open enrollment period to re-shop plans and through the various life changes whenever you need to update your coverage. Your agent can serve as your advocate with the insurance company when you have questions about benefits or about how a medical claim was processed.
Medicare is health insurance for people 65 or older and certain people under 65 with disabilities. There are various parts to Medicare: Part A (Hospital Insurance), Part B (Medical Insurance), Part D (Prescription drug coverage), and Part C (Medicare Advantage—“all in one” alternative to Original Medicare that includes Part A, Part B, and usually Part D). Our Medicare specialist is eager to assist the client to the correct parts and plans and any Supplement coverage appropriate for their current situation or lifestyle saving the client money and frustration.
At Hill insurance, we want to serve you in a way that helps you have peace of mind that you are taking care of yourself and your loved ones. So, whether you have a policy already or are needing one, we want to help you understand what you have or what you may need.