Sound Benefits

Medicare Planning Starts Early: The best time to learn about Medicare is before you need to enroll. A little preparation can help you avoid common mistakes and make the transition to Medicare much smoother.

Ask Questions Before You Enroll: Health Insurance can feel overwhelming, but you don't have to navigate it alone. Asking questions and understanding your options can help you make confident decisions about your healthcare.

HSA money is yours to keep. Unlike a flexible spending account (FSA), unused money in your HSA isn't forfeited at the end of the year; it continues to grow, tax-deferred in your HSA.

Did you know? Families without health insurance are 3x more likely to delay or skip necessary medical care — putting their health and finances at serious risk.

A Self Insured Plan is a type of plan usually present in larger companies where the employer itself collects premiums from enrollees and takes on the responsibility of paying employees’ and dependents’ medical claims. These employers can contract for insurance services such as enrollment, claims processing, and provider networks with a third party administrator, or they can be self-administered.

Fast Fact: MOOP is an acronym standing for “maximum out-of-pocket” costs. The MOOP is the limit on annual out-of-pocket expenditures paid by a health plan enrollee for medical services that are covered by a health insurance plan.

Enjoy The Weekend! Genius is the ability to put into effect what is on your mind.

How does Hospital Indemnity Insurance work? If you are admitted to a hospital for a covered illness or injury, the policy pays a predetermined cash benefit based on the terms of your plan. Benefits may be paid for hospital admissions, overnight stays, intensive care, and other covered services.

Does Hospital Indemnity Insurance replace my health insurance? No. Hospital Indemnity Insurance is designed to supplement your major medical health insurance, not replace it.

Working with an independent insurance agent gives you access to multiple insurance companies, allowing you to compare coverage options and pricing in one place instead of shopping around on your own.