Medicare Advantage
Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.
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Navigating the complex world of insurance can be frustrating. We're here to make it easy and be a resource you can depend on year after year.
Medicare Supplement
A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Medicare Part D
Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area.
Individual Health Insurance
No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses.
Term Life Insurance
Term life insurance coverage can be relatively easy to comparison shop. It simply covers you in the event that you die before the end of the term for which you are covered.
Financial Independence
A secure, comfortable retirement is every person’s dream. Since we're living longer, healthier lives, we can expect to spend more time in retirement than our parents and grandparents did. Achieving the dream of a secure, comfortable retirement is much easier when you plan your finances accordingly.
Dental Insurance
Proper dental care can be an important component of our well being. Dental coverage of some kind can help you ensure the health of your teeth and gums.
Long Term Care
As we age, the likelihood we will need some type of medical or personal care increases. We may need long term care - a variety of services which help meet the medical and non-medical needs of people with a chronic illness or disability who cannot care for themselves for long periods of time. Such services typically include assistance with normal daily tasks like dressing, bathing, and using the bathroom.
Disability Insurance
Disability Income insurance protects you in the case of loss of income. If you lose your ability to work, either from temporary or permanent disability, a disability claim can be made. There are many different elements that make up a disability income insurance policy so it is important to understand when and how you will receive the disability income if the need arises. For example, you will need to know how your policy defines and covers short and long-term disability and total disabilities.
ABOUT VYKARE & JUBELAMINT INSURANCE
Your Trusted Insurance Professionals:
VyKare helps people achieve an enjoyable and satisfying seniorhood at an age that they decide on. This is done by formulating, implementing and living a comprehensive plan with three goals:
1) Achieving financial independence,
2) Achieving and maintaining physical and mental health and strength to live independently,
3) Cultivating and using our personal character strengths to create a strong sense of self, to empower not only our own happiness but our impact on others.
We provide education, products, and coaching to individual adults of all ages and employee groups, starting out by addressing the obvious needs (insurance & financial savings), and then educating/undertaking the larger endeavor of achieving their best possible seniorhood lifestyle.
Our whole approach is being available to listen, talk through, support, decide, and move forward based on time tested practices and methodologies, all the while being affordable for the duration.
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