Medicare Supplemental Insurance

Medicare is basic health coverage that is provided by the US government. Basic Medicare can leave you responsible for additional health care expenses, such as deductibles, 20% co-insurance (unlimited), and excess charges. Because basic Medicare has these gaps in coverage, many consumers seek out Medicare supplemental coverage policies.

Tomlin Health Insurance stays up-to-date on all facets of Medicare and Medicare Supplemental insurance policies. We’re here to assist you with your health insurance needs, and make sure you get your questions answered.

Remember, our goal is your complete satisfaction. You may rely on us to continually strive to live up to this standard.

Group Health Benefits for Your Employees

At Tomlin Health Insurance, we understand that employers and human resource teams have a lot of choices when it comes to buying group health insurance, including going directly to a carrier (or one of its agents), buying online, or going through a broker like us at Tomlin Health Insurance.

Direct-to-carrier paths make it more difficult to shop the market across product lines, and buying online can leave the human resource team responsible for navigating “representative” quotes, difficult terminology, compliance and ongoing service issues. Good brokers, on the other hand, have the market, compliance and prodcut knowledge to help you save money and appropriately manage risk.

In addition, a good broker can provide additional insights to you on the carrier’s strengths, weaknesses, and past performance. But, wait! There’s more.

Our advisor’s service to you will continue after the bid process. Depending on the broker and the relationship, brokers will assist their clients with claim difficulties, employee communications, notify and explain upcoming and current regulations, risk management and all other areas relating to benefits and compensation. In our business, we also provide many tools and resources to help your human resource department or tasks because benefits and HR go together. When one is functioning at a high level, it supports the efforts of the other.

When you select Tomlin Health Insurance to assist you with your health insurance needs, we stay with you throughout your experience. In our opinion, all insurance products should be reviewed on a regular basis; we recommend at least once every year or two. Our staff will reach out to you to check in and discuss how your coverage is working. In addition, we are always available to answer any questions or concerns you may have about your plan, or to review any changes that may have taken place in the market for health insurance.

Remember, our goal is your complete satisfaction. You may rely upon us to continually strive to live up to this standard.

Long-Term Care Insurance: An Investment For Your Future

By definition, Long Term Disability is the inability to care for oneself for an extended period. An individual’s inability to perform the Activities of Daily Living (ADLs) can be a life-changing and sometimes devastating event. The need for coverage against this sort of loss is great. With a Long Term Care plan in place, the patient and family members can rest assured knowing that financial security will not be put at risk should the policyholder or any covered dependents sustain a debilitating and costly-to-treat illness. Individuals who experience conditions covered under LTCi plans will be well cared for even if loved ones cannot assume daily caretaker needs.

Think of us as your personal health insurance shopper! We help you review and compare insurance plans side by side. We will help point out the differences in product, access, and service from one carrier to the next. Our goal is to help you select a plan that will fit your needs as well as your budget.

When you select us to help you apply for coverage, our services continue through the application process. We understand that no one enjoys filling out applications, but if your application is completed incorrectly, any missing or questionable information may cause lengthy delays in the underwriting of your policy. At Tomlin Health Insurance, we know what information the insurance company need to know in order to review your application. Part of our service is ensuring that your application is correct and complete before it is sent to the insurance carrier for review.

The concept that “this will never happen to me” is losing ground. As the average life expectancy increases, most senior citizens and many others have to deal with a LTC event. Many of these events are manageable, but the costs of managing and treating them can be staggering.

LTC may not be right for everyone. Some individuals cannot meet the requirements due to existing medical conditions. Others would rather take the risk and pay for services from their own capital and assets. There is no right answer. Ultimately, each individual must determine his or her risk tolerance. But it is important for those investing in retirement to consider LTC so they an make informed decisions on their own.

Remember, our goal is your complete satisfaction. You may rely upon us to continually strive to live up to this standard.

Dental, Vision & Hearing Insurance Benefits

Although Medicare provides a range of health care benefits to seniors and those with disabilities, it does not cover routine teeth cleaning, vision tests, hearing tests and similar procedures. There are some Medicare Advantage plans, however, that provide preventive coverage for dental, vision and hearing, but those under an original Medicare plan must find other coverage options.

Think of us as your personal health insurance shopper! We help you review and compare insurance plans side by side. We will help point out the differences in product, access, and service from one carrier to the next. Our goal is to help you select a plan that will fit your needs as well as your budget.

When you select us to help you apply for coverage, our services continue through the application process. We understand that no one enjoys filling out applications, but if your application is completed incorrectly, any missing or questionable information may cause lengthy delays in the underwriting of your policy. At Tomlin Health Insurance, we know what information the insurance company need to know in order to review your application. Part of our service is ensuring that your application is correct and complete before it is sent to the insurance carrier for review.

When you select Tomlin Health Insurance to assist you with your health insurance needs, we stay with you throughout your experience. In our opinion, all insurance products should be reviewed on a regular basis; we recommend at least once every year or two. Our staff will reach out to you to check in and discuss how your coverage is working. In addition, we are always available to answer any questions or concerns you may have about your plan, or to review any changes that may have taken place in the market for health insurance.

Remember, our goal is your complete satisfaction. You may rely upon us to continually strive to live up to this standard.

Life & Disability Insurance

At Tomlin Health Insurance, we help protect you and your loved ones from the unforeseeable events that can shape our lives. Among the best resources you can have at your side is an independent, objective insurance broker who can help you plan for the unexpected.

Life insurance will protect your family with financial stability and security when it matters most. In the event of your passing, life insurance provides financial help to your beneficiaries. Life insurance can help your beneficiaries with:

• Covering any lost income and helping continue the same standard of living
• Paying off any debts
• Paying for your children’s education
• Covering funeral and related costs

Disability insurance is another form of protection we are able to assist with. As you may know, disability insurance is an insurance policy that replaces your income in the event that he or she is not able to work due to a disability. Disability insurance policies usually come in two categories: short-term and long-term.

When you select Tomlin Health Insurance to assist you with your insurance needs, we stay with you throughout your experience. In our opinion, all insurance products should be reviewed on a regular basis; we recommend at least once every year or two. Our staff will reach out to you to check in and discuss how your coverage is working. In addition, we are always available to answer any questions or concerns you may have about your plan, or to review any changes that may have taken place in the market for health insurance.

Remember, our goal is your complete satisfaction. You may rely upon us to continually strive to live up to this standard.