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Best Insurance Agent in Bullhead City

Insurance is a complex topic, and it's imperative that you have the right cover to ensure you're completely protected. Our Bullhead City-based insurance agents at Tristate Health Insurance Choices will work with you to help balance your specific needs and find exactly the right insurance. If you're on the hunt for the best health insurance around, our experts can help by offering one-off support or on-going brokerage. Call us today on 7026204010 to discuss your needs, we'll talk through your options and help you find the perfect insurance.

The right insurance

Having a family comes with its own special risks and responsibilities, and having the right insurance is an important part of being responsible for your family. We can work with you to fully understand your needs and tailor your insurance to work for you and your children. Our team of experts have years of experience in finding the right cover for our clients at a cost that makes it completely affordable.

Speak to one of our expert brokers

 Having the wrong insurance can be disastrous, not to mention expensive – you don't want to be caught out or find yourself without the right cover. Speak to one of our expert brokers today to ensure you have the right cover; we can talk you through your options and include any additional cover specific for your individual needs.

Why Use an Independent Broker

So what kind of Medicare insurance agent should you be looking for? Independent agents and brokers work for you–not just one insurance company with only a few plans. Independent brokers like Ginny Monk Tristate Health Insurance Choices represent dozens of companies and hundreds of policies. This ensures that your ongoing needs are your priority. Does health insurance cost more if purchased with a broker than without a broker? No. By law, for a given person, all health insurance premiums are the same price whether they are sold through a broker or directly from the insurance company. For example, a Blue Cross health insurance plan is the same price no matter where you buy it. The identical plans are sold by Blue Cross direct and by Ginny Monk, Tristate Health Insurance Choices. But, underwriting (medical risk assessment) is very different from carrier to carrier and this is where our experience can help you get the most favorable outcome. Buying Health, Medicare plans, Dental, Life, or Long-Term Care Insurance? Everyone needs medical care some time, and the most common way to pay for it is through private health insurance coverage. While most Americans have some type of private coverage, the different types of insurances and how they work can be confusing and difficult to understand. When you need to purchase health or life insurance, turning to a local independent insurance agent or broker is always a smart first step. Whether you’re looking at health, Medicare plans, life, Dental, Vision, Cancer, Stroke, or long-term care; your agent or broker will help you identify the benefits that will satisfy your individual needs or the needs of your company. They not only look out for your bottom line, but they also work to make sure you get the products that are right for you. Expertise matters Professional Independent insurance agents and brokers provide the expertise you need to make the right choices. They are experts who: know the market – by distinguishing the best products from the “merely adequate” know the law – by reviewing state and federal legislation and regulations that impact the sale of health insurance products know the industry – by completing stringent, licensing requirements and continuing education courses know the underwriting – select the carrier(s) that will underwrite (medical risk assessment) your condition in the most favorable way Your independent insurance agent will help you: review your unique needs learn about different insurance companies and types of coverage that can satisfy your specific concerns ease the burden on your time by doing the “legwork” for you get the most from your coverage after you’ve bought it Independent agents and brokers work for you–not any one insurance company. This ensures that your ongoing needs are their priority. Buying your insurance through an independent broker such as Tristate Health Insurance Choices means that you’re not just relying on one person for your quote. Your broker will be able to search through a number of different insurance databases to find you the most competitive price. You get the best deal without having to spend hours calling around for quotes.

Medicare

Welcome to Medicare Look out for Medicare Fraud. It is important to work with a local independent broker who has your best interest. What is Medicare? Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities and people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD). Different parts of Medicare: Medicare Part A Medicare Part B Medicare Part C Medicare Part D If you have any questions regarding Medicare please feel free to contact me. What is Medicare? What does Medicare cover? When should I apply for Medicare? How do I apply for Medicare? Should I enroll in Part A, Part B, Part C or Part D? What are my options if I am already on Medicare Disability? What if I’m not going to draw Social Security until later? Should I enroll in if have group coverage? Are there penalties if I don’t enroll in Medicare? Do I need to enroll in a Medicare Prescription drug plan, if I’m not taking medication? Do I need other coverage other than Medicare? What is the difference between Medicare vs. Medicare Advantage plan Part C of Medicare? What is the difference between Medicare Advantage plans? What is the difference between Medicare and Medicaid or AHCCCS in AZ? Do you qualify for Extra Help? Do I qualify for extra benefits like vision, dental, hearing, transportation, over the counter products, etc.? What are the upcoming changes in Medicare? Here are some of the services not covered by Part A and B. Long-term care Most dental care Eye examinations related to prescribing glasses Dentures Cosmetic surgery Acupuncture Hearing aids and exams for fitting them Routine foot care Having served the Medicare community since 2018, I’m Independent, Licensed, Certified, Local, Authorized to sell and contract with most of the insurance companies in Arizona. I work for my clients and NOT for the insurance companies. You have questions – I have the answers or know where to find them! Please contact me with your questions at 702-620-4010 or 928-433-7702. You can also email me at [email protected] We make house calls!

Medicare Supplement

What is a Medigap or Medicare Supplement? You must be enrolled in Medicare Part A & B to be eligible to purchase a Medicare Supplement. You may want to enroll in a Medicare Prescription drug plan to help pay for current or future medications. Medigap plans pick up all or most of the balance of Medicare deductibles, copays and coinsurance. Medigap plans are offered by private insurance companies and can offer extra benefits like a gym membership, discounts on vision, hearing and dental. There is an extra premium above your Medicare Part B premium. The premium is determined on your age zip code and the lettered Medigap plan you choose. On Jan. 1, 2020, legislation passed by Congress in 2015 kicks in, closing access to two of the most popular Medigap plans (Plan F and Plan C) to new enrollees. If you’re 65 now – or will reach that age before January 1, 2020 – you can still sign up if you qualify, because you’re in the initial sign-up period or if the insurance company accepts you. Having served the Medicare community since 2018, I’m Independent Local, Licensed, Certified, Authorized to sell and contract with most of the insurance companies in Arizona. I work for my clients and NOT the insurance companies. You have questions – I have the answers or know where to find them! Please contact me with your questions at 702-620-4010 or 928-433-7702. You can email me at [email protected] Our services are NO cost to you as the insurance companies pay us a commission. You receive the value benefits of an independent broker working for you and not an agent working for an insurance company so there is no difference in cost to you.

Medicare Advantage

What is Medicare Advantage? Also known as “Part C”, Medicare Advantage plans (MAPD). These plans can offer additional benefits to Original Medicare. When you enroll in Medicare Advantage it takes the place of Original Medicare. You cannot have a Medicare Advantage plan when you are enrolled in a Medicare Advantage. Most Medicare Advantage plans have prescription drugs rolled into them. You must be enrolled in Medicare Part A & B to be eligible to enroll in a Medicare Advantage Plan. Medicare Advantage plan, most plans require you to see your Primary doctor to be referred to a Specialist and prior authorization for certain test and treatment. Mohave and La Paz County in Arizona have approximately 7 different Medicare Advantage Plans available – most have a $0 monthly premium. We are authorized to represent and certified to sell over 7 different MAPD plans, ensuring you find the right one. The Insurance carriers that we offer have these Medicare Advantage plans in Arizona: Aetna – HMO & PPO Allwell – HM Health Choice – HMO Humana – HMO – PPO – PFFS Lasso– MSA UnitedHealthcare HMO – PFFS WellCare – HMO Medicare Advantage Plan Definitions HMO = Health Maintenance Organization – Typically associated with “networks” such as Banner, Cigna, Dignity, are just a few. HMO’s usually require a referral by your Primary Care Physician in order to see a specialist. Only emergency coverage out of network. PPO = Preferred Provider Organization – A PPO is a plan that has a network (like an HMO), but allows you to step out of that network and obtain services at virtually any doctor, specialist or hospital as long as they will accept payment from the plan. The insurance company will still participate in the share-of-costs, but your share will be higher than if you stayed within the PPO network. No referrals are required with a PPO plan. SNP = Special Needs Plan – A special needs plan is designed for those receiving extra financial help from the state or government. To qualify for a SNP plan, either a low-income subsidy (LIS) is required, or you must be receiving some level of Arizona Long Term Care (ALTC) benefits from the state. SNP plans have $0 costs for all services. Some include comprehensive dental, unlimited transportation and extra benefits such as Coordinated Services. PFFS = A Medicare PFFS Plan – is a type of Medicare Advantage Plan (Part C) offered by a private insurance company. PFFS plans aren’t the same as Original Medicare or Medigap. The plan determines how much it will pay doctors, other health care providers, and hospitals, and how much you must pay when you get care. CHRONIC PLANS = Medicare SNPs are a type of Medicare Advantage Plan (like an HMO or PPO). Medicare SNPs limit membership to people with specific diseases or characteristics. Medicare SNPs tailor their benefits, provider choices, and drug formularies to best meet the specific needs of the groups they serve. People who have specific chronic or disabling conditions (like diabetes, End-Stage Renal Disease (ESRD), HIV/AIDS, chronic heart failure, or dementia). MSA = Medical Saving Account – Medicare works with private insurance companies to offer you ways to get your health care coverage. These companies can choose to offer a consumer-directed Medicare Advantage Plan, called a Medicare MSA Plan. These plans are similar to Health Savings Account Plans available outside of Medicare. You can choose your health care services and providers. Medicare MSA Plans have 2 parts – Medicare MSA Plans combine a high-deductible insurance plan with medical savings account that you can use to pay for your health care costs. High-deductible health plan: The first part is a special type of high-deductible Medicare Advantage Plan (Part C). The plan will only begin to cover your costs once you meet a high yearly deductible, which varies by plan. Medical Savings Account (MSA): The second part is a special type of savings account. The Medicare MSA Plan deposits money into your account. You can use money from this savings account to pay your health care costs before you meet the deductible. Having served the Medicare community since 2018, I’m Independent, Local, Licensed, Certified, Authorized to sell and contract with most of the insurance companies in Arizona. I work for my clients and NOT for the insurance companies. You have questions – I have the answers or know where to find them! Please contact me with your questions at 702-620-4010 or 928-433-7702. You can email me at [email protected] Our services are NO cost to you, the insurance companies pay us a commission. You receive the value benefits of an independent broker working for you and not an agent working for an insurance company so there is no difference in cost to you.

Medicare Prescription

What is a Medicare Prescription drug plan? You must be enrolled in Medicare A and/or Part B to enroll in a Medicare Prescription drug plan. 2 ways to get drug coverage. Medicare Prescription Drug Plan (Part D) – these plans (sometimes called “PDPs”) add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans. Insurance carriers that we offer Stand-A-Lone Medicare Prescription drug plans or Part D: Aetna BlueCross BlueShield AZ Coventry 1st Health Humana SilverScript UnitedHealthcare WellCare With a Medicare Prescription plan, some plans have preferred pharmacies, by using their preferred pharmacy you may have fewer dollars out of pocket for your medication. Arizona has approximately 23 different Medicare Prescription Plans available We are authorized to represent and certified to sell over 17 different prescription plans, ensuring you find the right one. Medicare Advantage Plan (Part C)(like an HMO or PPO) or other Medicare health plan that offers Medicare prescription drug coverage – you get all of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage, and prescription drug coverage (Part D), through these plans. Medicare Advantage Plans with prescription drug coverage are sometimes called “MA-PDs.” You must have Part A and Part B to join a Medicare Advantage Plan. The types of insurance listed below are all considered creditable prescription drug coverage. Insurance carriers that we offer have Medicare Advantage plans with Prescription drug coverage in Arizona. Aetna – HMO & PPO Allwell – HMO BlueCross BlueShield of AZ – HMO Bright Health – HMO Cigna – HMO Health Choice – HMO Humana – HMO – PPO – PFFS Lasso – MSA UnitedHealthcare HMO – PFFS WellCare – HMO Compare local prescription prices and offers drug coupons. www.GoodRx.com Having served the Medicare community since 2018, I’m an Independent, Local, Licensed, Certified, Authorized to sell and contract with most of the insurance companies in Arizona. I work for my clients and NOT for the insurance companies. You have questions – I have the answers or know where to find them! Please contact me with your questions at 702-620-4010 or 928-433-7702. You can email me at [email protected] Our services are of NO cost to you, the insurance companies pay us a commission. You receive the value benefits of an independent broker working for you and not an agent working for an insurance company so there is no difference in cost to you.

Enrollment Periods

Enrollment Periods Initial Enrollment Period When you first turn 65 this enrollment period is called your 7-Month Initial Enrollment Period. You can go to www.ssa.gov to sign up for Medicare during your Initial Enrollment Period. If you miss your initial enrollment period or delay because you have creditable coverage, you will need to go to a Social Security office to enroll. There is a special form you will need if you don’t want to make two trips to the Social Security office. Contact our office and we will send you the form. If you do not sign up during this 7-month period (unless you have other creditable coverage) you will need to wait and enroll from January 1 to March 31th for a July 1st effective date. This is called the General Enrollment Period. Annual Enrollment Period This is when you can change your Medicare Advantage Plan or Medicare Prescription Drug plan from October 15th to December 7th for a January 1st effective date. Plans can change: networks, doctors, pharmacies and medication formally and tiers of medication can change. Special Enrollment Period For people who Permanently move out of the plans service area Lose creditable medical or prescription drug coverage Enter, reside in or leave a long-term care facility Have Medicaid or AHCCCS in AZ or are in a Medicare Savings Programs Have other exceptional circumstances You only have a certain period of time usually 2 months from the date of the event. Having served the Medicare community since 2018, I’m Independent, Local, Licensed, Certified, Authorized to sell and contract with most of the insurance companies in Arizona. I work for my clients and NOT the insurance companies. You have questions – I have the answers or know where to find them! Please contact me with your questions at 702-620-4010 or 928-433-7702. You can also email me at [email protected] Our services are NO cost to you, the insurance companies pay us a commission. You receive the value benefits of an independent broker working for you and not an agent working for an insurance company so there is No difference in cost to you. Medicare & You Medicare Open Enrollment

Individual or Families

Health Insurance for Individuals and Families Open Enrollment November 1 to December 15th for a January 1st effective date This is Open Enrollment Period for people under the age of 65 or those not on Medicare Disability, Employee Group plan or Medicaid. If you don’t choose a plan now and enroll during Open Enrollment you will not be able to enroll in a health insurance plan until the next open enrollment period. If you qualify for a subsidy you can go to www.healthcare.gov to enroll in a plan that is offered in your state and county. If you don’t qualify for a subsidy you can go direct to the insurance company and apply without going through the healthcare.gov. You will still have what is called a Marketplace plan. Carriers participating in the Marketplace plans are: BlueCross/BlueShield for all other countries except Maricopa and Pima. You can check out www.cigna.com as they may offer their HMO and you will see doctors at their Cigna Medical Groups. Buyer beware! There are many telemarketers selling Limited Benefit plans and they are not insurance and can leave you at risk for large medical bills. Ask to receive a copy of their certificate or policy before you buy. There are Faith-based health plans Short Term or temporary plans. Critical Illness plans that cover a specific condition like cancer, accidents, stroke, heart attack.

Faith Based

Faith-Based Alternatives For Healthcare Everyone would agree to have a method to obtain high-quality affordable healthcare is a requirement in modern America. The Affordable Healthcare Act provided healthcare to all Americans without disqualification for pre-existing conditions, but it was not affordable nor did it allow most folks to maintain their current medical relationships. The insurance companies stated they would lose millions with the act, and the government stated they would be reimbursed for their loss. The government failed to pay the billions of dollars in insurance company losses. The insurance companies were forced to stop offering plans where the premiums did not cover their costs of operations. So here we are. Most counties in the United States are with less than three insurance company choices. Those Americans that need insurance most, are forced to get a plan without their doctors, at costs they cannot possibly afford. Perhaps we need to look at alternatives! Desperate times call for desperate measures. We cannot endorse any of the faith-based ministries enclosed in this guide. But I see no other option for many folks under the age of 65 that need to buy individual health insurance. What is a faith-based health ministry? According to Wikipedia: (https://en.wikipedia.org/wiki/Health_care_sharing_ministry) A health care sharing ministry is an organization that facilitates the sharing of health care costs between individual members who have common ethical or religious beliefs in the United States. A health care sharing ministry does not use actuaries, does not accept the risk or make guarantees, and does not purchase reinsurance policies on behalf of its members. Members of health care sharing ministries are exempt from the individual responsibility requirements of the Patient Protection and Affordable Care Act, often referred to as Obamacare. This means members of health care sharing ministries are not required to have insurance as outlined in the individual mandate. According to www.healthcaresharing.org, an alliance of the two largest ministries in the US, over 400,000 Americans participate in a health care sharing in 2015, sharing more than $340 million in medical bills annually. January 2015 op-ed in the New York Times stated that the four main healthcare ministries in the US have a total combined membership of about 340,000, saying that membership has grown recently because of their exemption to the insurance mandate of the Affordable Care Act. The monthly cost of membership in a health care sharing ministry is generally lower than the cost of insurance rates. Some of the larger health care sharing ministries are: (Links and phone numbers included later in the article)  Christian Healthcare Ministries  Medi-Share, a program of Christian Care Ministry Samaritan Ministries  Liberty HealthShare, Gospel Light Mennonite Church Medical Aid Plan, Inc  MCS Medical Cost Sharing  Altrua HealthShare Most ministries are oriented toward practicing Christians, with restrictions like abstaining from sex outside of marriage, excessive drinking, tobacco, and illegal drugs. They usually require members to make a statement of belief as well. For instance, Samaritan Ministries requires a statement of Christian faith including belief in the Triune God and Divinity of Jesus; Liberty HealthShare is more inclusive, accepting members with a wide variety of religious and ethical beliefs. All such ministries require that members subscribe to the ethical principles of individual responsibility for health, and helping others in need. In order for members to be exempt from the tax penalties outlined in the Affordable Care Act, ministries must meet the following qualifications:  Must be a 501(c)(3) organization  Members must share common ethical or religious beliefs  Must not discriminate membership based on the state of residence or employment  Members cannot lose membership due to the development of a medical condition  Must have existed and been in practice continually since December 31, 1999  Must be subject to an annual audit by an independent CPA which must be publicly available upon request Four ministries that meet these qualifications are Christian Healthcare Ministries, Liberty HealthShare, Samaritan Ministries, and Medi-Share. MCS Medical Cost Sharing, founded after 1999, does not meet the qualifications but offers to pay the tax penalties incurred by members. Altrua HealthShare, though founded in March 2000 three months after the December 1999 cutoff, has been approved as a health sharing ministry that qualifies members for the penalty exemption. Though federal health care law requires U.S. citizens to have health insurance or a health cost sharing ministry like CHM, you may be interested to know that CHM doesn’t have an open enrollment period. You, your spouse, or your dependent children can enroll in CHM anytime during the year. Health care sharing satisfies the Federal health care law’s (Affordable Care Act) requirement that individuals purchase insurance or pay a penalty tax. If people join in the middle of a year. however, they may be required to pay a prorated tax-penalty for the months that they and members of their household were not participating in a health care sharing ministry or uninsured. From the Wall Street Journal: “The ministries operate outside the insurance system and aren’t regulated by states, provide a health care cost sharing arrangement among people with similarly held beliefs. Their membership growth has been spurred by an Affordable Care Act provision allowing participants in eligible ministries to avoid fines for not buying insurance. Ministry officials say they aren’t offering insurance, don’t guarantee claims will be paid, and don’t need to be regulated. The nonprofits are well managed, according to ministry officials, with third-party audits and a sterling history of sharing members’ claims.” From our Google search: www.chministries.org Christian Healthcare Ministries 127 Hazelwood Ave. Barberton, OH 44203-1316 800-791-6225 9am-5pm M-F EST www.mychristiancare.org/medi-share Medi-Share P.O. Box 120099 Melbourne, FL 32912 (800) 772-5623 www.samaritanministries.org Samaritan Ministries 6000 N. Forest Park Drive Peoria, IL 61614 (877) 764-2426 www.altruahealthshare.org Altrua HealthShare PO Box 90849 Austin, TX 78709-0849 1-888-244-3839 www.libertyhealthshare.org www.medicalcostsharing.com Medical Cost Sharing, Inc. 518 Felix Street Saint Joseph, Missouri 64501 866-826-5316

Short Term Insurance

What is short-term health insurance? Designed for healthy individuals and families, short-term policies provide an affordable safety net while switching from one life event to another without a health plan. If you are: Between jobs Waiting for coverage from another health plan to start Laid off Recent college graduate Retired and waiting for Medicare to start A seasonal employee Then consider short-term insurance (but remember that most of those scenarios are qualifying events which means you’d be eligible to purchase an ACA-compliant plan instead – so check those options too.) Emergency events are nearly always covered under short-term plans, as is hospital care, but in general, coverage is limited, so study your policy carefully. Short-term plans don’t cover pre-existing conditions, and they typically do not cover maternity, mental health or preventive care. (They are not required to cover the ACA’s (essential health benefits) Although their sale is not limited to open enrollment windows, short-term plans to use very basic medical underwriting to determine an applicant’s eligibility for coverage. Short-term plans also have blanket exclusions on pre-existing conditions, which means they won’t cover any medical conditions that you had before the plan took effect. Bottom line: Temporary insurance is a low-cost option to protect yourself temporarily from unforeseen and emergency medical expenses. But it’s not a substitute for ACA-compliant coverage, and it doesn’t include the myriad consumer protections provided under the law.

Dental/Vision

Prime Start plans have a network and non-network plans Dental Plans are only discount plans. Types of Dental Plans: With so many dental benefit plans available today, it’s important to learn the differences between them. Some plans require your dental practice to be part of a network, others limit maximum charges and many have set fees for specific services. Preferred Provider Organizations (PPO) A PPO plan is regular indemnity insurance combined with a network of dentists under contract to the insurance company to deliver specified services for set fees and according to the provisions of the contract. Contracted dentists must usually accept the maximum allowable fee as dictated by the plan, but non-contracted dentists may have fees either higher or lower than the plan allowance. Dental Health Maintenance Organizations (DHMO)/Capitation Plans Under a DHMO or capitation plan, contracted dentists are “pre-paid” a certain amount each month for each patient that has been designated or assigned to that dentist. Dentists must then provide certain contracted services at no-cost or reduced cost to those patients. The plan usually does not reimburse the dentist or patient for individual services and therefore patients must generally receive treatment at a contracting office in order to receive a benefit. Indemnity Plans An indemnity dental plan is sometimes called “traditional” insurance. In this type of plan, an insurance company pays claims based on the procedures performed, usually as a percentage of the charges. Generally, an indemnity plan allows patients to choose their own dentists, but it may also be paired with a PPO. Most plans have a maximum allowance for each procedure referred to as “UCR” or “usual, customary and reasonable” fees. Direct Reimbursement (DR®) Benefits in this type of plan are based on dollars spent, rather than on the type of treatment. Direct Reimbursement is a self-funded plan that allows patients to go to the dentist of their choice. Depending on the plan, the patient pays the dentist directly (or the benefit may be directly assigned to the dental office) and then submits a paid receipt or proof of treatment. The administrator then reimburses the employee a percentage of the dental care costs. With some plans, there are no insurance claim forms to complete and no administrative processing to be done by the dental office or an insurance company. Point of Service Plans Point of service options are arrangements in which patients with a managed care dental plan have the option of seeking treatment from an “out-of-network” provider. The reimbursement to the patient is usually based on a low table of allowances; with significantly reduced benefits than if the patient had selected an “in network” provider. Discount or Referral Plans Discount or referral plans are technically not insurance plans. The company selling the plan contracts with a network of dentists. Contracted dentists agree to discount their dental fees. Patients pay all the costs of treatment at the contracted rate determined by the plan and there are no dental claim forms to file. Originally these plans were sold to individuals; however, more and more employers are purchasing these types of plans as the dental plan for the company’s employees. Exclusive Provider Organizations (EPO) Exclusive provider organization plans require that subscribers use only participating dentists if they want to be reimbursed by the plan. These closed panel groups limit the subscriber’s choice of dentists and also can severely limit access to care. Table or Schedule of Allowances Plans These types of plans are indemnity plans that pay a set dollar amount for each procedure, irrespective of the actual charges. The patient is responsible for the difference between the carrier’s payment and the charged fee. The plan may also be paired with a PPO that limits contracted dentists to a maximum allowable charge. GET A Quote button

Funeral Planning

Planning your celebration of Life Advance Funeral Planning Lifts the Emotional and Financial Burden from your Family. “How do you want to be Remembered and who will tell your story?” The Benefit of Pre-arranging: It takes the burden off your loved ones. It allows you to put your house in order. You plan together, not alone. No emotional overspending. Your wishes will be adhered to. You customize your plan and take advantage of the benefits of insurance. You can select every aspect of your funeral now, guard against inflation, and ensure that it will be the funeral you want. On the Most Difficult Day of your life, there are 124 actions that must be taken immediately following death. Here is a partial list that would be difficult even on a good day. Affordable Payment Plans Everyone Qualifies Transferable Spend Down for ALTCS Veterans Burial Info Contact our office at 702-620-4010 or 928-433-7702 and you can email [email protected] for one or all the following. Life Planning Packets Funeral Planning Guide Five Wishes The purpose of Life insurance proceeds is for your families living expenses not to pay for Final expenses. We work with several family-owned funeral homes in the valley. You may be surprised how much money you will save working with a family-owned funeral home verses a national corporate funeral home. Contact us for a quote for Cremation or Traditional Service. Transferring to another Funeral home, we can help with that too.

Workshops

Medicare: Welcome To Medicare Medicare vs. Medicare Advantage How does the New Health Care Bill affect Medicare? Long Term Care: What is Long Term Care – Types of planning for LTC? How does Health Care Reform affect Long Term Care Planning for Employers and Employee CLASS ACT? CLASS Act for Employers New Health Care Reform: Timeline of changes, how does this affect you?

Under Construction

We are in the construction process of adding Travel, Health Insurance, Life Insurance, and Critical Illness. We will post these once construction is done.

Amenities

  • Free consultation
  • By appointment only

Testimonials

VB

Ginny is a very professional agent and helped educate me on plans that were available. Ginny let me decide which plan I wanted and when I wanted it to start. I was lost until I meet with Ginny and ...

Valerie B.
SQ

I am so happy I found Ginny as I could not imagine me trying to find myself the right plan. Very professional and polite! Thank you Ginny for all your help and look forward to renewing or adding ...

Shelly Q.
VS

I was looking for Vision and Dental and I came across Ginny's Business Card and called her and made an appt. right away. Ginny is very knowledgeable and very professional in all aspects. I will ...

Virginia S.

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