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Personal Touch Insurance Solutions, LLC provides a large array of insurance products for individuals of all ages.  Although we specialize in Medicare, we have been asked by clients to offer other insurance options in order to serve the entire person/ family needs. 


I have heard your requests:  therefore, these options are as follows:

 

Affordable Healthcare (Obamacare):

The Affordable Care Act (ACA), often referred to as the Patient Protection and Affordable Care Act, ACA or Obamacare, is a 2010 federal law establishing new consumer protections for individuals with their health insurance coverage, standards for care by doctors and hospitals and an expansion of health coverage.  Most of the protections are in effect, care standards are being phased in over time, and the expansion of health coverage begins on January 1, 2014.  As of the new year, every American must have health insurance coverage – through individual, employer-based, or government policies – or pay a penalty on their Federal income tax filing.   Most common major medical health insurance coverage fulfills the requirement – for example, job-based private insurance, individual private insurance, public insurance such as Medicaid, military coverage, and veterans’ coverage. 


Medicare:

Medicare is health insurance for people age 65 or older, under age 65 with certain disabilities, and any age person with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant). Medicare allows you options on how to receive your benefits, through original Medicare where Part B is optional and you have your choice of doctors. Your costs may be higher than in Medicare Advantage Plan.


Medicare Advantage Plans (Part C) and Part D:

Private insurance companies approved by Medicare provide this coverage. Generally, you must see doctors in the plan. Your costs may be lower than in the Original Medicare Plan, and you may get extra benefits.  Most Part C plans cover prescription drugs. If they don't, you may be able to choose this coverage.


Medicare Supplements (Medigap):

You can choose to buy this private coverage (or an employer/union may offer similar coverage) to fill in gaps in Part A and Part B coverage. Costs vary by policy and company.


Individual Major Medical:

Individual Major Medical coverage is an insurance policy issued directly to an individual.  It provides coverage for hospitalizations, physician visits, medical services and supplies, and may cover other items such as prescription drugs.


Final Expense/Burial Plans:

A basic type of life insurance that is used to pay for funeral services and merchandise costs. This policy usually covers people until they reach the age of 100. Applicants do not have to go through a health exam in order to obtain it. They are usually asked to swear that they are not currently ill or in a nursing home.  Some of the costs covered by this insurance include funeral service, cemetery plot and headstone, casket, funeral procession and other miscellaneous costs.


Hospital Indemnity Plans:

Hospital indemnity insurance is a type of plan that pays a set amount – per day, per week, per month, or per visit – if you’re confined in a hospital.


Long Term Care:

A variety of services which help meet both the medical and non-medical needs of people with a chronic illness or disability who cannot care for themselves for long periods of time. It is common for long-term care to provide custodial and non-skilled care, such as assisting with normal daily tasks like dressing, bathing, and using the bathroom. Increasingly, long-term care involves providing a level of medical care that requires the expertise of skilled practitioners to address the often multiple chronic conditions associated with older populations. Long-term care can be provided at home, in the community, in assisted living facilities or in nursing homes. Long-term care may be needed by people of any age, although it is a more common need for senior citizens.


Vision and Dental:

Services are available upon request.