HealthMarkets Insurance Agency

Products And Services

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  Life Insurance

  Plan for the Future with Life Insurance. You know what it takes to provide and care for your family. And, you understand both the immediate and the ongoing expenses that would have to be met if you suddenly weren’t there. What you may not know is how simple it can be to purchase life insurance coverage. Then, should the unexpected happen, the financial resources your family needs will be there.

  Link: Life Insurance

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  Health Insurance

  Health Insurance Plans Designed with You in Mind. If you’re responsible for purchasing health insurance for yourself and your family, you know how hard it can be to find coverage that fits both your needs and your budget. Insphere Insurance Solutions offers a broad portfolio of individual health insurance products from highly-rated national and regional carriers. Your local Insphere agent can help you understand your options. And, when you are ready, help you choose the coverage that best fits both your needs and your budget.

  Link: Health Insurance

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  Medicare

  Insurance Options for Medicare-Eligible Individuals. At Insphere Insurance Solutions we understand the unique needs of seniors and Medicare-eligible individuals. Our portfolio includes products from recognized and trusted carriers, and we believe you’ll like our “needs-based” approach that matches products to your life and your lifestyle. Our licensed agents offer personalized service and are trained to help you clearly understand your choices and answer your questions. To get the solutions you need and the service you deserve, contact an Insphere agent today.

  Link: Medicare

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  Supplemental

  Cover Your Other Expenses with Supplemental Insurance. An accident or a critical illness can occur suddenly, disrupting your life in many unexpected ways. Health insurance can cover the cost of your medical care, but how will you cover your normal living expenses — or unexpected costs while you are recovering? Insphere offers a wide range of supplemental insurance plans that pay a cash benefit directly to you. The money you receive from supplemental insurance can be used for anything you choose because this insurance is designed to help you fill your financial gaps. Use the money for out-of-pocket medical expenses and deductibles, offset a loss of income, or even pay everyday living expenses.

  Link: Supplemental

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  Long-Term Care

  Control Over Your Care with Long-Term Care Insurance. As you plan for the future, you should consider how to maintain your independence and your hard-earned savings if you experience a long- term illness or a chronic condition that would require extended care. Your local Insphere agent can show you long-term care (LTC) insurance solutions that will provide you with financial benefits you need to retain choice and control in the event you need long-term care. Long-term care needs typically arise as part of the normal aging process, but can also be due to an injury or illness, such as multiple sclerosis, stroke, rheumatoid arthritis, or due to a cognitive impairment, such as Alzheimer’s disease. Long-term care can be given at an assisted living facility, a nursing home or even at home. When reviewing you LTC insurance options, you’ll need to consider: Total coverage needs — Total value of the assets you want to protect. Your total coverage is calculated based on the benefit amount and the benefit period you choose. Benefit Amount — Maximum amount that your policy provides to cover your care costs on a daily or monthly basis. Benefit Period — Minimum period of time (years) you can expect your coverage to last. Elimination Period — Similar to a deductible, this is the amount of time (days) that you will be required to pay for the cost of care before your policy begins to pay benefits for an eligible claim. Inflation Protection – Helps your benefits grow over time to keep up with the rising cost of care. Total Benefit Amount– Total pool of money from which your benefits will be paid. When you are ready to begin the planning process, your local Insphere agent will be a great resource for information and for plans from trusted, highly rated carriers that meet your specific needs and budget.

  Link: Long-Term Care

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  Retirement

  Plan for Retirement Income with Annuities. You want to make the most out of your retirement. Making sure you have the resources in place to do what you’ve always dreamed of doing, and then protecting the assets you’ve worked so hard to build requires planning and foresight. Insphere Insurance Solutions can help you meet both objectives as you plan for your retirement. Insphere offers fixed and fixed index annuity products designed to provide payments to you at specific intervals, typically after your retirement. Best-of-all, annuities have the potential to grow tax-deferred, have death benefits to protect your beneficiary and may also provide optional “living” benefits. These retirement products are designed to protect your investment before and after you have the time to start making your dreams a reality.

  Link: Retirement

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  Health & Wellness

  We know you want to be healthier. That’s why Insphere offers access to a suite of affordable wellness products that can help you get healthy and stay healthy. They may also help fill gaps in your medical coverage. The wellness product modules may be purchased individually or in any combination with no age restrictions: Discounts for dental and vision care, prescriptions, alternative health care and wellness products. Health coaching, fitness program planning and tracking, diet and nutrition planning plus discounts on gym memberships, vitamins/supplements and immunizations. Consultations via telephone or web 24/7 with physicians who can prescribe medication, a nurse line, health advocates who can identify treatment options and help with navigating the health care system, and a program that provides access to personal medical records through a secure, online system. To learn more about products that can help you get healthy and stay healthy, contact an Insphere agent today.

  Link: Health & Wellness

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  Member Benefits

  Access Services, Discounts and Benefits with MembershipToday’s economy is tough for everyone. Small businesses, the self-employed, individuals, families and seniors need every advantage they can find. Insphere Insurance Solutions has found a great way to increase your benefits and provide you with money saving opportunities. We’ve partnered with Associations so you can unite with tens of thousands of other members nationwide to receive the kinds of benefits usually reserved for large corporations and their employees.

  Link: Member Benefits