Sandy Gilkey Insurance Agency

Medicare Myth: Medicare Costs the Same for Everyone.
Nope. The exact amount you will pay for Medicare depends on the specific Medicare coverage you have, the health services and items you use each year and whether or not you have financial assistance for Medicare.

Renters Insurance 101: In case your house or apartment is broken into, destroyed by a fire, or perhaps a friend gets injured at your home, renters insurance provides financial protection for you and your family. It pays for the repair and replacement of lost items as well as any liability issues you may be responsible for.

Having a business plan is necessary for survival in today's competitive business environment. A written business plan is as essential for a small business as it is for large corporations. A good business plan will help you focus on current and potential problems and assist you, your advisors, and employees in improving net profit.

Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected.

Never leave that till tomorrow which you can do today. Benjamin Franklin

Medicare Part D covers outpatient prescription drugs through private plans that contract with Medicare, including stand-alone prescription drug plans (PDPs) and Medicare Advantage plans with prescription drug coverage (MA-PDs). The Part D benefit helps pay for enrollees’ drug costs and provides coverage for very high drug costs. Additional financial assistance is available for beneficiaries with low incomes and modest assets. Enrollees pay monthly premiums and cost sharing for prescriptions, with costs varying by plan.

Question: Is my disability income taxable?
Answer: Money received from worker's compensation for sickness or illness is not subject to income tax. Amounts received under a private accident policy for which you pay the premiums are also nontaxable. To the extent your employer pays the insurance premiums, your benefits will be subject to tax.

Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more. If you're considering securing you and your family’s financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!

A flexible benefits plans is a benefit program that offers employees a choice between various benefits including cash, life insurance, health insurance, vacations, retirement plans, and child care. Although a common core of benefits may be required, you can choose how your remaining benefit dollars are to be allocated for each type of benefit from the total amount promised by the employer. Sometimes you can contribute more for additional coverage. Also known as a Cafeteria plan or IRS 125 Plan.

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Nothing great was ever achieved without enthusiasm. Ralph Waldo Emerson

Estate Planning is a comprehensive estate plan ensures your wishes about your property will be honored. By spelling out exactly how your property will be transferred, it gives you peace of mind that your loved ones will be provided for in the years to come.

What do they mean by the Health Insurance waiting period? The time that must pass before coverage can become effective for an employee or dependent who is otherwise eligible for coverage under a job-based health plan.

Commercial property insurance is a special type of insurance that covers the company building as well as the contents owned by the company. "Property" can include a variety of types: lost income or business interruption, buildings, computers, money, and valuable papers.

ATV insurance is very similar to motorcycle insurance. All-terrain vehicles are three, four or six-wheeled buggies used off-road. 4x4 insurance has the same basic coverages included in the motorcycle insurance policy, tweaked for the needs of off-road enthusiasts.

Are you lost in the maze of Medicare? Contact us today for a no-cost consultation where we can answer your questions!

Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more. If you're considering securing you and your family’s financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!

Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

Important Reminder: You can enroll in Marketplace health coverage from February 15 through May 15 due to the coronavirus disease 2019 (COVID-19) emergency.

You may have noticed there's a big difference between classic car insurance policies and regular use policies, including cost. Classic car insurance or collector car insurance can save you a significant amount of money and increase your coverage because traditional auto insurance carriers are geared towards insuring a larger volume of vehicles. They simply don't know how to treat your specialty or collector car.

A Non-preferred provider Is a provider who doesn’t have a contract with your health insurer or plan to provide services to you. You’ll pay more to see a non-preferred provider. Check your policy to see if you can go to all providers who have contracted with your health insurance or plan, or if your health insurance or plan has a “tiered” network and you must pay extra to see some providers.

Business interruption insurance is critical if your business suffers a property loss that could cause the business to slow or close down while repairs are made. This may mean a complete or partial revenue loss depending on the time frame and the damage. From the time the loss occurs until your business is running again, insurance can replace your lost profits, and provide a source of money to pay your necessary continuing expenses, like rent, payroll, taxes, etc.

A PPO Health insurance plans is a type of health plan that contracts with medical providers, such as hospitals and doctors, to create a network of participating providers. You pay less if you use providers that belong to the plan’s network. You can use doctors, hospitals, and providers outside of the network for an additional cost.

Sandy Gilkey Insurance Agency

What happens if I don't add my child to my auto insurance?
If you don't add your child to your auto insurance once they've gotten a learner's permit or driver's license, you could face problems filing a claim, keeping discounts, or maintaining your auto insurance policy altogether if something happens while they're driving your car.

30 Day Moving Guide

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How to Help Prevent Heat Stroke

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King of the Grill - or so he thinks

I think we all know someone like this! Give me a call at 479.434.2355 to learn more.

How to Drive Safely in Strong Wind and Rain

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Hiring a Contractor

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Home Solar Panel Installation Tips

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Staying Safe in Work Zone Traffic

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How To Pack For A Move

Moving? Use this three-step packing process from Travelers for a smoother transition to your new home.#ThinkSafe
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9 Home Security Tips

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Swimming Pool Safety Tips

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