Below you will find more information about our insurance services. Please contact us with any questions you may have or use the request a quote function on our website.
Life insurance is protection against financial loss resulting from death. It is an insurance company’s promise to pay your beneficiary a specific amount of money when you die in exchange for timely payment of premiums. Although you may not think about it, your ability to earn income is a significant asset and life insurance helps replace lost income in the event of your premature death.
How much life insurance do you need? Visit the AARP Life Insurance Calculator.
Long Term Care Insurance (LTC) includes medical and non-medical care to people who have a chronic illness or disability. Long-term care helps meet health or personal needs. Most long-term care is to assist people with support services such as activities of daily living like dressing, bathing, and using the bathroom. Long-term care can be provided at home, in the community, in assisted living or in nursing homes. It is important to remember that you may need long-term care at any age.
Choosing long term care is an important decision. Planning for long-term care requires you to think about possible future health care needs. It is important to look at all of your choices. You will have more control over decisions and be able to stay independent. It is important to think about long-term care before you may need care or before a crisis occurs. Even if you plan ahead, making long-term care decisions can be hard.
Disability Insurance, often called DI or disability income insurance, is a form of insurance that insures the beneficiary’s earned income against the risk that a disability creates a barrier for a worker to complete the core functions of their work. For example the inability to focus or maintain composure as with psychological disorders or an injury, illness or condition that causes physical impairment or incapacity to work. It encompasses paid sick leave, short-term disability benefits, and long-term disability benefits. Statistics show that in the US a disabling accident occurs on average once every second. In fact, Nearly 18.5% of Americans are currently living with a Disability, and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement.
More and more people are experiencing the effects of the high cost of health insurance. Those that have it, continue to see costs go up and coverage’s go down. Those, whose employers don’t offer health insurance coverage, don’t know where to begin to find the coverage they need at prices they can afford. As increased rates and lower coverage become the norm, we sometimes forget that there are ways to make sure you’re getting the best coverage with the lowest rates.
Yantis & Associates is an independent insurance agency dedicated to finding quality insurance coverage you can afford. We offer insurance services for both individuals and groups. Whether your needs are short term, long term or supplemental health insurance, or if you need to establish a health savings account, we can help you make the right decisions.
Medicare Advantage Plans (MA)
Get the same type of services as Original Medicare (Parts A and B), plus additional benefits such as vision and/or hearing coverage. Enrolling in a Medicare Advantage plan with prescription drug coverage (MAPD plan) gives you all your coverage in one plan, with one monthly plan premium (in addition to your Part B premium and Part A premium, if applicable) and one ID card. Or you can choose a plan that only includes medical coverage.
Medicare Supplement Plans
You’ll get help paying for some out-of-pocket costs not covered by Original Medicare (Parts A and B) if you choose a Medicare Supplement Plan. And you’ll have the freedom to visit any doctor or hospital that accepts Medicare. Aetna Medicare Supplement insurance plans are only available in certain states.
Medicare Rx® Plans (PDP)
Add stand-alone prescription drug coverage to your existing Original Medicare plan. You can buy a prescription drug plan (PDP) in addition to your existing Original Medicare (Part A and/or Part B) coverage, Medicare Supplement (Medigap) plan, Private Fee-for-Service (PFFS) plan without prescription drug coverage, some Medicare Cost Plans, or Medicare Medical Savings Account (MSA) Plans.