Business Details
Open Enrollment for the Marketplace is over for 2021. Give our office a call at (810) 984-2773 for more information on scheduling your appointment. 2021 Coverage would only be available to those via Special Enrollments if you meet the qualifications of certain, "Life Events". People who are covered under Parts A and B often buy "Medigap" insurance to pay for things not covered by Medicare, such as deductibles and copayments.
Medicare has established twelve standard types of Medigap policies. Call today for an appointment. I write employee benefits regardless of the size of your business - from sole proprietors to large scale employee benefit plans. Constant communication throughout the design, implementation, and the day to day solving of service needs is what I'm accustomed to and take great pride in.
Old-fashioned service has always been and will always be the cornerstone of The Grant Smith Health Insurance Agency. We are a firm that markets quality health insurance policies and medicare supplement insurance and related policies that provide economic predictability with the intelligent use of your premium dollars.
Medicare has established twelve standard types of Medigap policies. Call today for an appointment. I write employee benefits regardless of the size of your business - from sole proprietors to large scale employee benefit plans. Constant communication throughout the design, implementation, and the day to day solving of service needs is what I'm accustomed to and take great pride in.
Old-fashioned service has always been and will always be the cornerstone of The Grant Smith Health Insurance Agency. We are a firm that markets quality health insurance policies and medicare supplement insurance and related policies that provide economic predictability with the intelligent use of your premium dollars.
Services
About
Under the banner of GBS Media is also an online magazine called Blue Water Healthy Living.
GBS Media is a video production / advertising company in that specializes in commercials, corporate and training videos, interviews, special events, and more.
Its purpose is to bring to professionals and small businesses right up to large corporations affordable media.
GBS Media can help you promote your message through video on all platforms including YouTube, Facebook, on your website, or on television.
GBS Media is a video production / advertising company in that specializes in commercials, corporate and training videos, interviews, special events, and more.
Its purpose is to bring to professionals and small businesses right up to large corporations affordable media.
GBS Media can help you promote your message through video on all platforms including YouTube, Facebook, on your website, or on television.
Health
Experience a life change?
Certain "Life Events" allow you a special enrollment period within 60 days after the event.
Got Questions?
Give us a Call!
Letter or document from employer stating the employer changed, dropped or will drop coverage or benefits for the employee, spouse or dependent, including the date coverage ended or will end.
Divorce or annulment papers including the ending of health care responsibility and proof of prior qualifying health coverage within the last 60 days.
Death certificate or public notice of death and proof of prior qualifying health coverage within the last 60 days.
Certain "Life Events" allow you a special enrollment period within 60 days after the event.
Got Questions?
Give us a Call!
Letter or document from employer stating the employer changed, dropped or will drop coverage or benefits for the employee, spouse or dependent, including the date coverage ended or will end.
Divorce or annulment papers including the ending of health care responsibility and proof of prior qualifying health coverage within the last 60 days.
Death certificate or public notice of death and proof of prior qualifying health coverage within the last 60 days.
Marketplace FAQs
The federal law specifically states that businesses and individuals are not required to purchase health insurance through the Marketplace or Health Exchange.
The purpose of the Exchanges is to permit individuals and small employers (with 100 or fewer employees) to purchase "qualified health insurance coverage."
If a State creates an Exchange within one year of enactment, the State may receive federal grant funding to assist it to establish the Exchange.
The plan must offer five benefit categories: bronze, silver, gold, platinum and a separate catastrophic plan option.
The purpose of the Exchanges is to permit individuals and small employers (with 100 or fewer employees) to purchase "qualified health insurance coverage."
If a State creates an Exchange within one year of enactment, the State may receive federal grant funding to assist it to establish the Exchange.
The plan must offer five benefit categories: bronze, silver, gold, platinum and a separate catastrophic plan option.
Health Savings Accounts HSA
A health savings account (HSA) is a tax-exempt trust or custodial account that you set up with a qualified HSA trustee to pay or reimburse certain medical expenses you incur.
You must be an eligible individual to qualify for an HSA.
You can claim a tax deduction for contributions you, or someone other than your employer, make to your HSA even if you do not itemize your deductions on Form 1040.
Contributions to your HSA made by your employer (including contributions made through a cafeteria plan) may be excluded from your gross income.
You must be an eligible individual to qualify for an HSA.
You can claim a tax deduction for contributions you, or someone other than your employer, make to your HSA even if you do not itemize your deductions on Form 1040.
Contributions to your HSA made by your employer (including contributions made through a cafeteria plan) may be excluded from your gross income.
Cobra Alternatives
If you become entitled to elect COBRA continuation coverage when you otherwise would lose group health coverage under a group health plan, you should consider all options you may have to get other health coverage before you make your decision.
One option may be "special enrollment" into other group health coverage.
Under the Health Insurance Portability and Accountability Act (HIPAA), if you or your dependents are losing eligibility for group health coverage, including eligibility for continuation coverage, you may have a right to special enroll (enroll without waiting until the next open season for enrollment) in other group health coverage.
One option may be "special enrollment" into other group health coverage.
Under the Health Insurance Portability and Accountability Act (HIPAA), if you or your dependents are losing eligibility for group health coverage, including eligibility for continuation coverage, you may have a right to special enroll (enroll without waiting until the next open season for enrollment) in other group health coverage.
Employee Benefits
We have Coverage for Companies certified agents who are ready to help you along the way for providing great and flexible health benefits for your employees.
Employee benefits are various non-wage compensations provided to employees in addition to their normal wages or salaries.
Employee benefits might include medical, prescription, vision and dental plans; health and dependent care flexible spending accounts; retirement benefit plans (pension, 401(k), 403(b)); group-term life and long term care insurance plans.
Employee benefits are various non-wage compensations provided to employees in addition to their normal wages or salaries.
Employee benefits might include medical, prescription, vision and dental plans; health and dependent care flexible spending accounts; retirement benefit plans (pension, 401(k), 403(b)); group-term life and long term care insurance plans.
Medicare
Call (810) 984-1373 to book your appointment today.
This country is entering a Medicare insurance crisis as insurance premiums continue to rise, while retirement incomes are falling.
This fact, in conjunction with increasingly complicated Medicare insurance options, has caused many Medicare recipients to join Medicare plans that are not suitable.
This should not be the case.
There is no reason you or a loved one should not have the Medicare supplemental coverage you deserve.
Please contact me.
I will show you all the options available to you.
This country is entering a Medicare insurance crisis as insurance premiums continue to rise, while retirement incomes are falling.
This fact, in conjunction with increasingly complicated Medicare insurance options, has caused many Medicare recipients to join Medicare plans that are not suitable.
This should not be the case.
There is no reason you or a loved one should not have the Medicare supplemental coverage you deserve.
Please contact me.
I will show you all the options available to you.
Life
Term life insurance or term assurance is life insurance which provides coverage at a fixed rate of payments for a limited period of time, the relevant term.
After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions.
If the insured dies during the term, the death benefit will be paid to the beneficiary.
Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.
After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions.
If the insured dies during the term, the death benefit will be paid to the beneficiary.
Term insurance is the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis over a specific period of time.
401k
Among employer-sponsored retirement plans, 401(k) and 403(b) plans are perhaps the most widely recognized and utilized.
And Principal is a leading provider of defined contribution plans, with $156 billion in defined contribution plan assets, more than 35,000 plans and more than 4.4 million participants to date.
Offering a 401(k) or 403(b) plan as part of your benefits package gives employees a retirement savings option they're familiar and comfortable with, as well as the opportunity to roll over funds from past employer-sponsored plans.
And Principal is a leading provider of defined contribution plans, with $156 billion in defined contribution plan assets, more than 35,000 plans and more than 4.4 million participants to date.
Offering a 401(k) or 403(b) plan as part of your benefits package gives employees a retirement savings option they're familiar and comfortable with, as well as the opportunity to roll over funds from past employer-sponsored plans.
Annuities
An annuity is a contract between you and an insurance company in which you make a lump sum payment or series of payments and in return obtain regular disbursements beginning either immediately or at some point in the future.
The goal of annuities is to provide a steady stream of income during retirement.
Funds accrue on a tax-deferred basis, and like 401(k) contributions, can only be withdrawn without penalty after age 59.5.
Many aspects of an annuity can be tailored to the specific needs of the recipient.
The goal of annuities is to provide a steady stream of income during retirement.
Funds accrue on a tax-deferred basis, and like 401(k) contributions, can only be withdrawn without penalty after age 59.5.
Many aspects of an annuity can be tailored to the specific needs of the recipient.
Supplements
Combining these policies with your personal health insurance can put you in a superior financial position in a health crisis.
Personal Accident Insurance covers your expenses from an accident with a lump sum payment, a daily or monthly amount or a payment for loss of life from an accident.
Several types of policies supplement an insurance program.
Often, accidental death and dismemberment is an inexpensive form of personal accident insurance.
Critical illness insurance or critical illness cover is an insurance product, where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.
Personal Accident Insurance covers your expenses from an accident with a lump sum payment, a daily or monthly amount or a payment for loss of life from an accident.
Several types of policies supplement an insurance program.
Often, accidental death and dismemberment is an inexpensive form of personal accident insurance.
Critical illness insurance or critical illness cover is an insurance product, where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.
Personal Accident Insurance
Personal Accident Insurance covers your expenses from an accident with a lump sum payment, a daily or monthly amount or a payment for loss of life from an accident.
Several types of policies supplement an insurance program.
Often, accidental death and dismemberment is an inexpensive form of personal accident insurance.
Other forms are similar to disability income, but they pay a cash sum when you have an injury due to an accident.
There are several ways to buy personal accident insurance.
Some policies only pay for specific types of accident.
Several types of policies supplement an insurance program.
Often, accidental death and dismemberment is an inexpensive form of personal accident insurance.
Other forms are similar to disability income, but they pay a cash sum when you have an injury due to an accident.
There are several ways to buy personal accident insurance.
Some policies only pay for specific types of accident.
Critical Illness Insurance
Critical illness insurance or critical illness cover is an insurance product, where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.
The policy may also be structured to pay out regular income and the payout may also be on the policyholder undergoing a surgical procedure, for example, having a heart bypass operation.
The policy may require the policyholder to survive a minimum number of days (the survival period) from when the illness was first diagnosed.
The policy may also be structured to pay out regular income and the payout may also be on the policyholder undergoing a surgical procedure, for example, having a heart bypass operation.
The policy may require the policyholder to survive a minimum number of days (the survival period) from when the illness was first diagnosed.
Hospital Recovery Insurance
Hospital Recovery Insurance is designed to pay you, or someone you designate, a cash benefit upon discharge from a hospital stay and assist you in the recovery phase following a hospital stay.
The Hospital Recovery benefits are paid directly to you following an inpatient hospital stay discharge.
Whether you or a covered family member needs rehabilitative services or assistance around the house, this plan provides benefits to help pay for the services and resources you want.
The average length of a hospital stay has declined over the past 10 years.
The Hospital Recovery benefits are paid directly to you following an inpatient hospital stay discharge.
Whether you or a covered family member needs rehabilitative services or assistance around the house, this plan provides benefits to help pay for the services and resources you want.
The average length of a hospital stay has declined over the past 10 years.
Long Term Care
Insurance is an important tool for protecting yourself against risk.
For instance, health insurance pays your doctor and hospital bills if you get sick or injured.
But how can you help protect yourself against the significant financial risk posed by the potential need for long-term care services, either in a nursing home or in your own home?
Long-term care goes beyond medical care and nursing care to include all the assistance you could need if you ever have a chronic illness or disability that leaves you unable to care for yourself for an extended period of time.
For instance, health insurance pays your doctor and hospital bills if you get sick or injured.
But how can you help protect yourself against the significant financial risk posed by the potential need for long-term care services, either in a nursing home or in your own home?
Long-term care goes beyond medical care and nursing care to include all the assistance you could need if you ever have a chronic illness or disability that leaves you unable to care for yourself for an extended period of time.
Individual Disability Income Insurance
Individual (Personal) Disability Income Insurance is the industry name for a plan that provides for periodic payments of benefits when a disabled insured is unable to work.
The insurance product is designed to replace anywhere from 45 to 65% of your gross income on a tax-free basis should illness keep you from earning an income in your occupation.
Every disability policy is different and should be assessed by the consumer based on the quality of plan created for the individual's needs and not by the cheapest disability insurance policy on the market.
The insurance product is designed to replace anywhere from 45 to 65% of your gross income on a tax-free basis should illness keep you from earning an income in your occupation.
Every disability policy is different and should be assessed by the consumer based on the quality of plan created for the individual's needs and not by the cheapest disability insurance policy on the market.
Business Disability Overhead Insurance
Business Overhead Expense (BOE) disability insurance pays the insured's business overhead expenses if he or she becomes disabled.
A BOE policy pays a monthly benefit based on actual expenses, not anticipated profits.
It is designed for businesses that rely on a small number of people (or one person) to produce revenue.
Policies do not typically cover the salary of a temporary employee hired to do the duties of the disabled, unless a substitute salary expense or similar rider is purchased with the policy.
A BOE policy pays a monthly benefit based on actual expenses, not anticipated profits.
It is designed for businesses that rely on a small number of people (or one person) to produce revenue.
Policies do not typically cover the salary of a temporary employee hired to do the duties of the disabled, unless a substitute salary expense or similar rider is purchased with the policy.
Quotes
Health insurance is a contract between you and the insurance company that says that the insurance company will pay a portion of your medical expenses if you get sick or hurt and have to visit a doctor's office or hospital.
Some contracts also specify that the insurance company will pay a portion of your medical expenses to ensure you don't get sick, such as paying for annual physicals or immunizations.
However, the amount of your bill that the insurance company will pay, and under what circumstances they'll pay it is known as coverage and can vary greatly from policy to policy.
Some contracts also specify that the insurance company will pay a portion of your medical expenses to ensure you don't get sick, such as paying for annual physicals or immunizations.
However, the amount of your bill that the insurance company will pay, and under what circumstances they'll pay it is known as coverage and can vary greatly from policy to policy.
