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Products and Services

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Medicare Health Insurance

As we age, understanding Medicare and all of the available options can feel overwhelming. I take pride in helping people navigate this process with clarity and confidence. My goal is to make sure you understand your benefits and have the coverage that fits your individual health and financial needs.

Medicare consists of several parts that work together to provide healthcare coverage. Original Medicare includes Part A (hospital insurance) and Part B (medical insurance). Many people choose to add a Medicare Supplement (Medigap) plan to help cover out-of-pocket costs such as deductibles and coinsurance. Others prefer an all-in-one Medicare Advantage (Part C) plan, which often includes additional benefits such as dental, vision, hearing, fitness programs, and prescription drug coverage.

If you take medications, you’ll also want to consider a Prescription Drug Plan (Part D) to help manage your costs. Every plan has different formularies and preferred pharmacies, so it’s important to review your options carefully.

Medicare isn’t one-size-fits-all. Your needs, prescriptions, and doctors can change over time. That’s why I recommend reviewing your plan annually to ensure it still meets your needs and budget. My job is to make that process simple and stress-free — so you can focus on what matters most: your health.

Call or schedule a conversation today to learn about your Medicare options and what coverage may be right for you.
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Retirement Planning & Annuities

Many people work their entire lives without ever creating a clear plan for retirement income. Studies show that a majority of Americans between 50 and 74 don’t have a formal strategy for how to make their savings last. My mission is to help you change that — so you can look forward to retirement with confidence and peace of mind.

One of the biggest fears people share with me is the possibility of outliving their savings. It’s a real concern, but there are smart strategies to help you protect what you’ve built. Annuities are one example. An annuity is a financial product designed to provide a steady stream of income for life, or for a set number of years, depending on your needs. They can help reduce market risk, create guaranteed income, and add predictability to your retirement plan.

I believe retirement shouldn’t feel like a “rollercoaster.” With the right mix of income protection and growth potential, you can feel secure about your future — no matter what the market does.

Whether you’re already retired or preparing for it, I can help you explore your options for:
  • Guaranteed lifetime income
  • Reducing exposure to market losses
  • Maximizing the growth potential of your savings
  • Creating a plan that complements your Social Security and pension benefits

Let’s schedule a conversation to review your current plan and discuss how retirement income products like annuities can support your long-term financial goals.
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Life Insurance & Final Expense Planning

Life insurance isn’t just about preparing for the unexpected — it’s about protecting the people you love and creating financial peace of mind. Whether you’re planning for your family’s future or looking to leave a legacy, I can help you find a policy that fits your stage of life and budget.

Whole Life Insurance provides lifelong coverage with cash value that grows over time. It’s often chosen by individuals who want stable premiums and long-term protection. Term Life Insurance offers coverage for a specific period, typically at a lower cost, and can be ideal for families during their working years. Guaranteed Life Insurance is designed for those with health challenges who still want coverage without a medical exam.

In addition, I also help clients with Final Expense Insurance, which is a type of whole life policy created to cover end-of-life costs such as funeral expenses, medical bills, or other outstanding debts. These plans are typically affordable, easy to qualify for, and can lift a financial burden from your loved ones during a difficult time.

Life insurance is about more than numbers — it’s about having a plan that brings peace of mind.

Contact me today to learn more about your life insurance options and how you can protect what matters most.
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Dental Insurance

Dental health plays an important role in your overall well-being, especially as we age. However, many people are surprised to learn that Original Medicare does not cover routine dental care. This can leave gaps in coverage for cleanings, exams, and more extensive procedures.

That’s where individual Dental Insurance comes in. I offer plans designed to make routine care affordable and help you prepare for more significant dental expenses down the road. These plans often include coverage for preventive services such as cleanings and X-rays, as well as major services like crowns, dentures, or root canals.

Taking care of your dental health now can help prevent bigger medical issues later. With an affordable dental plan, you can stay on top of your oral health and maintain your quality of life.

Reach out to learn more about dental insurance options that fit your needs and budget.
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Hospital Indemnity Plans

Even with Medicare or other health insurance, hospital stays can come with unexpected out-of-pocket costs such as deductibles, copays, and coinsurance. A Hospital Indemnity Plan can help fill those gaps by providing a cash benefit directly to you when you’re hospitalized or receive certain medical services.

These plans are designed to help offset the costs associated with inpatient hospital stays, observation stays, or outpatient surgery. The benefit can be used however you choose — whether to cover medical bills, transportation, or household expenses while you recover.

For context, the average hospital stay in the U.S. lasts around 4 to 5 days and can cost more than $13,000. Having a supplemental plan in place can give you added peace of mind and protect your finances when the unexpected happens.

Let’s discuss how a Hospital Indemnity Plan can complement your existing coverage and help protect your savings from high hospital costs.
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Long-Term Care & Home Care Plans

As we get older, it’s important to plan for the possibility of needing long-term or in-home care. These services can be expensive, and they’re not typically covered by Medicare. Planning ahead can help protect your independence, your assets, and your loved ones.

Long-Term Care Insurance helps cover the cost of care in a nursing home, assisted living facility, or at home when you need help with daily activities like bathing, dressing, or eating. It gives you the flexibility to receive care where and how you prefer, while easing the financial impact on your family.

For those who want to remain in their own homes, Home Care Plans are an excellent alternative. These plans are designed to provide support for in-home services — from skilled nursing to personal care assistance — helping you maintain your comfort and dignity.

I believe everyone deserves to age with confidence and choice. By creating a plan now, you can make sure you’re prepared for whatever the future brings.

Contact me today to learn more about Long-Term Care and Home Care options that can help protect your health, finances, and independence.
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Speak to Ricardo Neira.

Contact us today to make an appointment.
CLICK HERE TO CALL ME NOW AT (754) 232-3786