"I will work with you and for you to help you unravel the complexities of the American insurance industry and make sure you and your family are covered when you need it."
- Joy Vrabec

If you're one of the many who are not insured or under-insured, an individual insurance plan may be the answer to your family's insurance needs.

Health Insurance

Individual health insurance is health coverage specifically tailored to those not covered by employer groups or other organizations. A broad selection of individual and family health insurance plans is available to you. Less expensive plans may provide coverage in case of a major accident or illness, while other plans may provide more comprehensive coverage for all your healthcare needs.

Life Insurance

If the unexpected happens to you, how will your family continue their current standard of living? Will your spouse be able to remain in your house? Will your children continue their educations? Life insurance provides that peace of mind for you and your family. Did you know that 10% of families with children under the age of 18 (3.6 million households) have NO LIFE INSURANCE PROTECTION?*

Term insurance is the most economical life insurance available and is an excellent option when your coverage needs are greatest. Fixed, predictable periods and price make it a good choice for growing families during high needs periods.

Whole life is a permanent form of life insurance that can provide life-long protection for you and those who depend upon you. Whole life insurance typically provides cash value which may be accessed during life of the policy, it may be converted to paid-up life insurance and you may be assured of guaranteed premiums and protection.

Universal life combines the features of low term insurance rates with an investment "side fund" which allows for premium stability and maximized cash values.

*LIMRA, "Facts About Life" Fact Sheet, September, 2007

Dental Insurance

Dental Insurance is available to individuals and families that are not covered on group dental insurance. For many people without dental insurance, cost often stands in the way of getting the care they need to maintain the health of their teeth and gums. Many serious medical illnesses are worsened by lack of even routine dental care. And a trip to the dentist's office could mean a substantial amount of money out of your pocket for simple routine preventive care.

Long Term Care Insurance

Do you know that Medicare does NOT cover the costs of care in a nursing home services commonly known as routine care? Current statistics state that 1 in 3 men and 1 in 2 women will require nursing home or some form of assistance to perform the normal activities of daily living.These are services that we need to feed, clothe, bathe, toilet ourselves, even to get ourselves out of a chair. Will your families manage your care if you can no longer perform these tasks for yourself? How will you pay for nursing home or skilled care that you might need for yourself or your spouse? You may qualify for Medicaid assistance for nursing home care but only after you have significantly reduced yours and your spouse's assets.

Long Term Care is insurance that you purchase for yourself and/or your spouse that will help pay for your care in an assisted living facility as well as nursing or home care.

Medigap Policies

A Medigap policy, otherwise known as Medicare Supplement, is health insurance sold by private insurance companies to fill the "gaps" in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that Medicare does not cover. Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium. In addition, you will have to pay a premium to the Medigap insurance company. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will pay both their shares of covered health care costs.

For additional information on Medigap policies, including why you would want to buy a Medigap policy and information about what Medigap policies cover, please read the Centers for Medicare and Medicaid Services' publication, Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare.

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