Protect and Insure

Protect and Insure Offering education and insurance solutions to help protect and insure what matters most. Health, lif Does this sound familiar? In my case it was the truth.

I was sold a bad health insurance policy by a bad insurance agent from a bad insurance company. I found out the hard way when my own child was badly injured in an accident and I was unaware that my coverage was not only inadequate, but just plain lousy. I vowed to do something different, I vowed to be a different kind of insurance broker. So when I entered the insurance business I did so with the

attitude that I would provide an education about how insurance works while guiding my clients through the fog regarding the fast changing government healthcare regulations. That's what I do, educate first, sales second. After my clients fully understand their risks both good and bad, I build a plan that fits their needs and budget from one of many reputable companies. I am not an order taker rather an educator and problem solver. I represent multiple companies so that my clients can truly be presented with options instead of being pigeonholed into just one brand of product. At Protect and Insure I specialize in individual health insurance, life insurance, long term care products, Medicare supplement, and final expense insurance. If you're interested in knowing what it's like to have an insurance representative truly care about your level of understanding. If you feel lost with all of the constant changes being made in Washington DC and don't really know what to make of it. If you think there aren't choices available or if you just want someone to represent your best interest, contact me here at Protect and Insure and allow me to take the wheel so that you don't have to spend countless hours trying to figure it all out on your own. I have solutions whether you would like to stay off of the government marketplace, or if you'd rather participate in it. I even have solutions if you would rather sidestep it altogether. That's right, there are choices available. I hope you find this page informative, enlightening, entertaining and occasional amusing. Thank you for visiting.

03/23/2020

YOUR ATTENTION PLEASE. In this strange and trying time we are living in I want to take a moment and remind everyone that health insurance is still attainable.
If you do not have health insurance and are concerned about having protection available but at the same time concerned about the often extreme costs of having coverage, I can help.

There are short term plans available that have a few downfalls but are absolutely better than going without. These are much, much less costly than the major medical plans, they are built on extremely strong networks and most of the time the out of pocket expenses are much less than the major plans. Another great feature is that we can usually get you coverage starting the NEXT day.

If you don't have insurance and have been waiting for a good reason to get it...now might be that time.

There's no commitment, no contracts, and it's free to find out what's what. So contact me for more information and you could at least have that piece of mind in place by tomorrow.

12/16/2019

Open enrollment for under age 65 major medical insurance has been extended until 3:00 AM E.T. December 18th. If you thought you missed the boat and you need some guidance getting your health insurance situated for 2020 please reach out and we'll help in any way we can.

This is pretty big. it can't come fast enough but if it proves consistent it could massively increase the ease of early...
11/26/2019

This is pretty big. it can't come fast enough but if it proves consistent it could massively increase the ease of early detecting which in most cases is the key to successful treatment.

Toshiba Corporation announced that their new technology can detect 13 different types of cancer by testing just one drop of blood, the accuracy rate is an astonishing 99%.

It's a very long road but hopefully this marks the beginning of the end.
11/22/2019

It's a very long road but hopefully this marks the beginning of the end.

MORGANTOWN — World-leading brain experts at West Virginia University’s Rockefeller Neuroscience Institute are celebrating the historic breakthrough Alzheimer patients around the globe have been awaiting.

This is one positive step needed. Now we need to tackle the other 10,000 steps.
11/15/2019

This is one positive step needed. Now we need to tackle the other 10,000 steps.

The proposal will likely face a legal challenge from hospitals and insurers.

Possible good news. Many people don't hold their cash value whole life insurance policies in a trust so it's considered...
01/10/2019

Possible good news. Many people don't hold their cash value whole life insurance policies in a trust so it's considered part of ones personal estate. The cash value of those policies is looked at as an assert and more often than not will exceed the limit of exemption therefore putting one at risk for denial of Medicaid or forcing them to lapse a policy. Planning to be on Medicaid is not favorable because it takes away ones flexibility and possible dignity as they enter long term care. However, the reality is that there are many people in this category and this bill could positively affect those people when it comes to long term care. Let's hope DC does the decent thing.

Introduced by Reps. Kenny Marchant, R-Texas and Brian Higgins, D-N.Y., would permit seniors, regardless of their health status, to use life insurance policies they already own to fund a wide range of health care costs, including long-term care expenses and long-term care insurance premiums.

Well it's that time again and admittedly I've been lazy and dragging my feet on re-certifying for the government silline...
10/23/2018

Well it's that time again and admittedly I've been lazy and dragging my feet on re-certifying for the government silliness we all call Obamacare. If you've ever had to deal with government testing and certification you know it's akin to most circus activity. However, the show must go on so I'm taking care of business. But as a prelude to our upcoming open enrollment season I thought I'd share some of the things I find both witty and sad,

To start it off, take a look at this photo "they" use to show the "Maximum out of pocket" costs (not including premium) for the 2019 year. Of course they refer to this as "cost sharing". Just look at the joy on the faces of these people as they are obviously delighted that the costs have risen to such enormous amounts. Why didn't anyone predict this or point it out years ago? I guess we just never saw it coming /sarc.

11/30/2017

A word of caution for any do-it-yourself individuals looking into exchange plans. Please, please, please with sugar on top, be extremely careful if simply price shopping. There are multiple health insurance companies that have developed extremely small network plans and if you simply concentrate on the bottom line, you could be in for a very costly surprise. For example, Priority Health has a "St. Joseph Mercy" network, a "St. John Providence" network and a "Beaumont Health" network. These are all very limited in where you can go for coverage. If you are part of the St. John's network and end up going to Beaumont hospital for (non-emergency) services, you will be responsible for 100% of the cost.
This might be fine for some people, but please make sure you know the details regarding your networks before you make a choice.
Or, as always, you can simply call on me and I'll do the homework for you.
Happy Open Enrollment!

Going back a bit, I warned not to panic over the President's comments that he was getting rid of the subsidies in health...
11/30/2017

Going back a bit, I warned not to panic over the President's comments that he was getting rid of the subsidies in health plans. As I stated, it didn't happen. The subsidies are alive and well. But on another note, the premiums are also alive and well, and growing exponentially every year. Nearing the home-stretch of open enrollment, I thought I'd share what a PPO looks like these days. Family of 3, notice the HUGE subsidy.
In case you aren't familiar, to the left you will see the premium this family would have to pay for the "privilege" of having a PPO plan from a major company. Under that premium is the price someone not qualifying for a subsidy would have to pay. The deductible is quite reasonable by today's standards but imagine the out of pocket ON TOP of the premium. Also, the doc visits and Rx are noted as "after deductible". This means the family has to meet the $1k in deductible before getting co-payments for office visits or Rx.
Of course there are many HMO plans still available but only one or two decent PPO's. This is an extreme case but it's still reality in health insurance for 2018. PPO's are becoming like unicorns.
There are a couple of other options for the right people. They are based on nationwide PPO's and don't cost anywhere near these premiums. Contact us for details.
Happy Open Enrollment!

11/21/2017

This sums it up. Reach out if you are in a bind, there are still some options and alternatives.

Address

Utica, MI

Website

Alerts

Be the first to know and let us send you an email when Protect and Insure posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category