Our years of experience helps you access, understand and navigate the insurance system—health and life, Medicare and all related products such as supplements and Part D prescription drug coverage, employer group insurance including retiree coverage, Medicaid, prescription, long-term care, and disability.
As Licensed Insurance Consultants we help you:
- Understand health, prescription, disability, life and other related insurance benefits including Medicare, Medicare Part D prescription coverage, Medicare supplements, retiree, group, long-term care
- Fight for insurance, such as appealing denied claims
- Review explanations of benefits
- File claims
- Overcome restrictions to coverage
- Coordinate benefits with Medicare, veterans, your employer, retiree or other coverage
- Work with your family, financial advisor, conservator or trustee to audit medical bills before paying them to make sure insurance has paid its part
**We DO NOT sell insurance or financial products, and therefore do not receive any commissions or payments from insurance companies or healthcare facilities. This means we provide unbiased, objective help for you.
What is a Licensed Insurance Consultant?
A licensed individual who does not sell financial or insurance products and is trained, knowledgeable, and able to identify insurance coverage problems or help individuals avoid pitfalls, review policies including health, prescription, life, disability, and long-term care coverage, fight denied claims, reconcile explanation of benefits, and troubleshoot insurance coverage issues/concerns.
Our services include:
Health and Life Insurance: Medicare, Retiree, Employer Group, Individual, Dental, Vision, Hearing, Prescription, International Travel
Prescription: Medicare Part D, Employer Group and Individual, coverage restrictions, financial assistance
Long Term Care: Annual policy reviews, coverage and premium considerations, claim filing and appeals, using benefits to transition to next levels of care, etc.
Disability: Medicare short/long term, filing for Social Security benefits, claims and appeals, Medicaid
New to Medicare: Considering options—enrollment process, late enrollment penalties, cost/benefit analysis, Medicare supplements, secondary insurance, prescription coverage, maximizing coverage/minimizing cost
Claims: Filing claims for benefits, appealing denied claims, reviewing explanation of benefits, reconciling claims and coverage, patient and provider support