SENIOR MARKET SERVICES LLC

Insurance Broker and Agent
 There is no charge to you for our service. I do not work for an insurance company.
I work on your side to find you the best coverage possible and follow through
to assure that you get fair prompt service.

Individual or Family Health Insurance

PLEASE CHOOSE THE STATE TO YOUR LEFT THAT IS YOUR PRIMARY RESIDENCE

Health Insurance
 
Health insurance reimburses covered services provided by doctors and hospitals.

Does not cover loss of income or extra expenses incurred because of accident or illness.
 
   
Disability Insurance
 
  Pays for loss of income due to illness or injury.
 
 
WebHealth the free medical encyclopedia that anyone can edit.

Intelihealth - Health Information from Aetna and the Harvard Medical School.
 
Health Insurance isn't how you go to see the doctor. It would be cheaper to pay out of pocket for that. We would like for you to think about this as part of your retirement planning. Most people we talk to are over-invested in health insurance and under-invested everywhere else. Let us review your situation to make a proper allocation of your investment to give you an appropriate benefit package.

Because...

  • You need to make sure that you have a retirement that is fully protected
  • You don't want to spend down your assets for things you don't need.
  • You have better things to do with your time and it makes sense to talk to someone that can take of all of your needs and provide a comprehensive solution to this problem.

 

  
Need more information first? There is never any obligation. Send us a request for a FREE Quote. We need the age and zip code for every person to be insured. Get Quote

If you don't see what you are looking for then contact us for help.
 

Health Savings Accounts:

Health Savings Accounts can be described as a type of Individual Retirement Account that allows you to take early distributions for IRS approved medical expenses. Businesses and individuals alike will receive enhanced benefits under these plans, including easing the way to switching from traditional IRC §125 & §105 plans to High
Deductible Health Plans that have an Health Savings Account component. The following publications contain the latest and most important information about deciding whether this special situation applies to you. Call for more information or to discuss your situation.

IRS Publication 502: Medical and Dental Expenses
IRS Publication 969: Health Savings Accounts and other Tax-Favored Health Plans 

*not available in all states

HEALTH INSURANCE FACTS

  1. According to Medicare 14% of medical costs are administrative, 30% goes to hospitals and 30% goes to doctors. Eliminating insurance companies would do little to reduce the cost of our health care system as ideal administrative costs should be nearer 8% according to McKinsey Global, an

  2. The United States spent 17% of Gross Domestic Product, $2.6 Trillion, on health care twice as much as the next most expensive country and over three times what Germany, Japan, France, Austria et al spent even though we don't cover everybody and their systems do.

  3. According to the Organization for Economic and Community Development, whose membership is comprised of the 30 largest industrialized nations, the United States' health care system ranked 37th in terms of overall quality behind some African countries.

  4. There were five people paying taxes for every person receiving Social Security and Medicare. By 2030 there will only be two.

 

If you don't think we need health care reform then re-read the above. Insurance reform is not the same thing as health care reform. We can deal with it now and put over $1 TRILLION back into our economy, hopefully investing in our future, or we can keep living it up now and regret it later.