Medicare Supplement and Medicare Advantage are different types of Medicare coverage. You cannot have both at the same time. Medicare Advantage bundles Part A and B often with Part D and other types of coverage. Medicare Supplement is additional coverage you can buy if you have Original Medicare Part A and B.

The ACA was designed to reduce the cost of health insurance coverage for people who qualify for it and to extend health coverage to millions of uninsured Americans. The act expanded Medicaid eligibility, created a Health Insurance Marketplace, prevented insurance companies from denying coverage due to pre-existing conditions, and required plans to cover a list of essential health benefits.

Disability Insurance is also called Disability Income (DI) Insurance. If you become too sick or injured to work for an extended period of time, DI could help cover a portion of your income, including bonuses and commissions. It’s important to know that even if you have group long-term disability insurance through your employer, it may not be enough.

Health insurance is a critical factor in retaining and recruiting employees, as well as maintaining productivity and employee satisfaction. I assist with a wide range of group health insurance options designed to help your business save money and support your employees’ health and wellbeing.