Seniors Medicare, Medicaid, Insurance & Estate Planning
For many Senior citizens who come to that point in their life when they need to apply for Medicare supplements and Medicare Part D it can be a confusing and overwhelming time and process. As important, considerations for long-term healthcare, retirement income, and preparation for change-of-ownership of a business you may own, have to be explored with a compassionate, knowledgeable and considerate professional.
The staff at Carolinas Insurance & Investment Group understands these issues you face having helped many people just like you before.
We know you need someone to talk to who will help you navigate this life progression, to help you understand your options and guide you through the process to make sure you receive the best assistance available to you within your means.
We begin by exploring your needs first before we look at any plans. The reason for this is we want to understand your state in life as well as your future goals. This allows us to go into the marketplace and find the best health insurance coverage, benefits, prescription plans, and investment vehicles to keep you moving forward in life toward those goals.
Once we at the Carolinas Insurance & Investment Group comprehend these needs, then we go out and look for the right recommendations to bring to you. Our focus is on your needs, and then products.
We work with a number of insurance carriers, such as Blue Cross Blue Shield of South Carolina, American Republic, Humana, CIGNA, and Mutual of Omaha to locate the coverage that will fill what Medicare and government health insurance doesn’t. In looking at your Medicare Part D plan, we will research the lowest cost for you to defray huge out of pocket expenses you might incur. We want you to have the right medicine at the lowest possible price.
Regardless of your current health, we will also look at Long-term care options, as well as critical care ones, such as skilled facilities, in-home care, adult day care, assisted living facilities and more to help you plan for these if you are between the ages of 60-70 in case they are eventually needed. In-home day care can cost as much as $150 a day out of pocket, so it is best to consider insurance to help cover these in case they become inevitable. Our goal is to make sure you get the care you deserve at the best possible price, and our insurance professionals will help do just that.
Finally, we want to make sure you have the best estate planning available to insure the smooth and profitable future growth and distribution of your wealth. As well, if you own a business, and you are a senior, it is time, if you haven’t already, to think about business continuation planning, and how you will transition your business to the next owner. We will discuss your thoughts on this, set a plan, and get you in front of a tax attorney to spell out your long-term plans for your company.
Carolinas Insurance & Investment group cares for seniors.
- Medicare Supplements
- Part D
- Long Term Care
- Life
- Retirement Plan Rollovers
- Guaranteed Investments
- Estate Conservation & Planning