Find The Right Disability Insurance

Disability income insurance solves the question of what would happen if you were unable to perform your duties and earn an income.

Disability income insurance

What would happen? Would you potentially lose your home? Would you be able to afford to sustain your lifestyle in a meaningful way? Disability income insurance is designed to replace your income in the event you are too sick or injured to work. It can also supplement disability coverage that you may have through your employer.

Disability income insurance can be very important to those who are self-employed. It can provide small business protection. Disability income insurance can make certain your business can keep running if you become unable to work due to illness or injury.

Our Services

Health Insurance

Health insurance is designed to offset the sky-rocketing costs of receiving health care.

read more

Life Insurance

There are many kinds of life insurance, but they generally fall into two categories:

read more

Medicare Insurance

Medicare Insurance is designed to cover costs that Medicare doesn’t cover. Many people ask the question,

read more

Dental Insurance

The office of The REAL Insurance Lady receives several calls and requests every day about dental insurance.

read more

Frequently Asked Questions

  • ObamaCare is called the Affordable Care Act.
  • ObamaCare is a series of laws that standardize health insurance. Think of it like car insurance.

HMO VS PPO

 
HMOPPO
¨ Cheaper¨ More Expensive
¨ Requires a referral¨ No referral needed.
¨ MUST go to doctors and hospitals in the network.¨ Can go to any doctor or hospital.

Contact the Member Services or call our office.  The number is on the back of your health insurance card.

Premium is the amount you pay EVERY month to keep your insurance.

A Co-payment is the amount you pay for covered services at the time you receive care.

Co-insurance is a percentage (%) you pay for a covered service.

Answer goes here.

Out-Of-Pocket Maximum is the most you will pay for the year. It includes all of the co-pays, co-insurance, and deductibles for medical and prescription services. If you reach it, all services are covered at 100%.

A deductible is the amount you pay before the insurance will pay. NOT all services require a deductible to be paid. For example, going to the doctor does NOT require a deductible to be paid with most plans.

Companies We Represent