Expert Insurance Guidance Tailored to You
At A. M. Smith Agency, LLC, we bring over two decades of expertise to help you navigate the complex world of medical insurance plans. Our commitment to integrity and prompt service sets us apart, ensuring you receive personalized and impartial guidance. Explore our key offerings below.
Original Medicare
- Original Medicare includes Medicare
Part A (Hospital Insurance) and
Part B (Medical Insurance). - You can join a separate Medicare drug plan to get Medicare drug coverage (Part D).
- You can use any doctor or hospital that takes Medicare, anywhere in the U.S.
- To help pay your out-of-pocket costs in Original Medicare (like your 20% coinsurance), you can also shop for and buy supplemental coverage.
Medicare Advantage (also known as Part C)
- Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D.
- In many cases, you can only use doctors who are in the plan’s network.
- In many cases, you may need to get approval from your plan before it covers certain drugs or services.
- Plans may have lower or higher out-of-pocket costs than Original Medicare. You may also have an additional premium.
- Plans may offer some extra benefits that Original Medicare doesn’t cover— like certain vision, hearing, and dental services.
Life Insurance
As a seasoned licensed insurance agent, we specialize in providing in-depth consultations on insurance options. Whether you're considering Life Insurance or Health Insurance, we aim to empower you with the knowledge to make confident decisions about your healthcare coverage. We'll guide you through the intricacies, helping you choose a plan that aligns perfectly with your unique needs.
Protecting your loved ones and securing their financial future is paramount. Our life insurance solutions are designed to provide peace of mind and stability. From term life to whole life insurance, we'll tailor a plan for your goals and budget. Let us help you navigate the various options and find the coverage that best aligns with your objectives.
Ancillary Insurance
Beyond health and life insurance, we offer a range of ancillary insurance products to provide additional layers of protection. Whether it's dental, vision, or other supplemental coverage, such as accident, hospital indemnity, and critical illness, our consultations will help you understand the options and choose the right ancillary insurance to enhance your overall well-being.
Reach Out Today
Book a free consultation today and experience the clarity and peace of mind from partnering with a trusted insurance advisor. Your protection is our priority.
