LSM Insurance Associates

Making Sense of Benefits in a Confusing World

About US


Bringing Clarity to a Confusing World

About US
At LSM Insurance Associates, we are committed to providing quality insurance services for all your needs. LSM Insurance Associates was started in 2006 to help individuals & employers understand the differences in benefit plans. With LSM Insurance Associates, we make it easy.  Using technology and common sense, Leslie S. McMillan will meet with you, explain insurance terms, provide you with various options and then let you decide what works best for your business, employees, budget and family. Whether you need life, health, disability, or cancer protection our goal is to find product options that meets your personal needs and your budget. Along the way we take the time to help you understand explain the good, the bad and the FINE PRINT so you can make an informed decision. LSM Insurance Associates is a full service independent benefits insurance agency, located in Rolesville, NC.   We have access to nationally recognized A+ life, long term care, health, dental & disability insurance carriers to meet your business or personal needs.

Products we offer


We offer health and life insurance benefits for every budget

Life Insurance

As a broker, we have access to a variety of carrier options. We educate you to the various types of insurance and assist you in evaluating your total needs. Whether your looking for term insurance for a set period of time, or permanent insurance that will last your entire life or just enough insurance to meet final needs, we've got you covered.

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Health Insurance

Finding Health Insurance today is not simple. We are experts at helping you get through all the complexities to find a plan that works for you. Leslie S. McMillan is a member of the Elite Circle of Brokers for Healthcare.gov and is able to provide you with a variety of options. Most important, she takes the time to understand your SPECIFIC needs and design options that are right for you and your family.

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Medicare

LSM Insurance Associates is certified to offer Medicare Supplement Insurance plans, Medicare Advantage and Medicare Prescription Drug Plans to residents of North Carolina. Picking a plan can be a daughting task and we help make the process easy to understand. We represent Aetna, Blue Cross Blue Shield of North Carolina (Med Supplement Insurance Plans and PDP Plans), Humana, Mutual of Omaha, and UnitedHealthcare. The Annual Open Enrollment for Medicare Advantage plans is 10/15/2018 - 12/7/2018. Please contact us if you would like to schedule an appointment.

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Personal Accident, Dental, Vision, Disability and Long Term Care

LSM Insurance Associates offers a variety of carrier options to meet the diverse benefit needs of individuals and families. You can check out plan options online or give us a call and tell us about your needs.

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CONTACT US


Have a question? We'd love to hear from you!

  • 401 Peaslake Court, Rolesville, NC 27571
  • Fax: 888-761-2057

Testimonials


Working hard to gain your trust and keep it

PERSONAL ACCIDENT PROTECTION


PERSONAL ACCIDENT  PROTECTION
In the United States…  Every hour over 4,400 accidents occur that require consultation with a medical professional. The average length of stay at a hospital is nearly five days with an average charge of about $35,400 per stay.  U.S. Department of Health & Human Services, Agency for Healthcare Research and Quality, 2011 National Statistics (HCUPnet)

Your medical plan provides benefits to help with medical costs if you suffer an accidental injury. In that unfortunate event, you shouldn’t have to worry about unexpected financial setbacks as a result of an injury. Things like lost wages plus your out-of-pocket expenses and the cost for help with transportation, meals, child care, or even housekeeping can all add up.

Personal Accident Insurance from LifeSecure Insurance Company can help. It provides cash benefits regardless of any other insurance you have. By pairing it with your medical plan, you can extend your protection to help with those unexpected costs so you can focus on healing.

Protect your hard-earned wages and savings with Personal Accident Insurance.

To run a quote or complete an application, Get Quotes.
If you have questions or want assistance applying contact us directly
at 919-271-6898 or leslie@lsminsurance.net

•For applicants who are returning to complete an application – If you did not complete an application on your initial visit, you may return to access your partially completed application

LifeSecure Insurance Company, based in Brighton, MI, is solely responsible for and underwrites the Personal Accident, Hospital Recovery and Critical Illness insurance products. These insurance policies have exclusions and limitations.







Dental Insurance Options


Dental Insurance Options
Dental Insurance is something that can help take the "BITE" out of expensive dental procedures you may not be expecting. Having a dental plan also will increase your getting regular dental checkups which are documented as improving overall health.  We offer several great plans designed to work with your lifestyle and budget.

Traditional dental plans pay 100% of preventative care once you purchase a plan but will have a waiting period for basic and major dental care.  If you’re currently in pain, consider a discount dental plan that has no waiting periods or pre-existing condition limitations. A visit to the dentist can be expensive. Protect your pocketbook and your oral health with a dental plan that can offset unexpected dental expenses. Some procedures can get pricey, so knowing up front exactly what you will pay gives you peace of mind. Not going to the dentist to avoid expensive dental bills can put you at risk for anything from cavities to gum disease.We offer a variety of dental plan options designed to meet your budget. Whether you are looking for a traditional dental plan similar to what an employer would offer or just a plan to help reduce the cost we've got you covered.  Check out our options and contact us with questions or if you need help. Some of our  plans cover preventive work such as routine cleanings and x-rays, as well as major services such as crowns and root canals while other offer you discounts to local dental providers. Dental insurance is a valuable benefit as having coverage makes you more likely to visit the dentist, who can also identify warning signs for health conditions such as cardiovascular disease, endocarditis and diabetes.

We offer several different dental plan options geared for your specific needs.  Whether you are looking for a dental plan that looks like an employer dental plan or a discount plan you can find it here.


Health Insurance Options


Health Insurance Options
Today, the purchase of buying individual health insurance is actually quite complicated. Through the Affordable Health Care Act, eligible individuals can obtain guaranteed issue coverage which means that there are no pre-existing condition exclusions. This means that once enrolled, a member is covered for any health issue as of the enrollment date.  

You can look up plans and see if you will qualify for a subsidy - GET AN ACA QUOTE   If you don't qualify for a subsidy,  I don't recommend you apply via Healthcare.gov.  Contact Me or call me at 919-271-6898 and we can discuss your options and get health plan pricing.

Enrollment Periods
  • During the Annual Open Enrollment (AOE) - November 1st, 2018 - December 15, 2018 for a coverage start date of January 1st, 2019 as long as you have paid your January premium. 
  • Special Enrollment Events - You can only purchase coverage outside of the AOE if you have a special qualifying event.  These include group health insurance coverage, getting married, getting divorces, having a baby, having a family member pass away or move in or out of the area.
Federal Subsidies 
  • Federal subsidies to reduce a subscribers monthly premium are available.  Subsidies are based on annual modified income and the number of individuals included on your tax return even if everyone in your family does not enroll.
  • Individuals that have access to group health insurance are generally not eligible for subsidies
  • Married Individuals must file jointly to receive a subsidy.
  • You will be required to pay the subsidy back through the IRS if your annual income changes from you what stated when you enrolled. 
  • To obtain a subsidy, you must apply through Exchange - Healthcare.gov. We can help you apply on Healthcare.gov.
ACA Health Insurance Carriers in North Carolina.
  • Blue Cross Blue Shield of North Carolina offers PPO plan options on and off the Exchange. Please contact me have questions or would like a quote.
    • The Blue Value PPO with UNC Health Alliance providers is available in the Wake County/Durham areas. Other BCBSNC plans are available based on your residental zipcode.
    • NOTE: As of 1/1/2019, The Blue Local Health Plans which include Duke and Wake Med will not be offered. All current enrolled members must switch to another plan or insurance carrier.
  • Cigna offers various plan options on the Exchange
  • NEW IN 2019, Ambetter Healthcare will be offered on the Exchange in specific geographic areas. Enrollment in this plan will start 11/1/2018 for a 1/1/2019 effective date. Members will have access to Duke and Wake Med providers. 
Alternative Options





HEALTH SAVINGS ACCOUNTS (HSA)


HEALTH SAVINGS ACCOUNTS (HSA)
Considering a High Deductible Health Plan?

You want to have health coverage for your family, but you looking to control your monthly premiums because you and your family never get sick.  When reviewing your Affordable Healthcare health plan options, the Bronze High Deductible Health plan (HDHP) could make sense.  Please be aware that this means that should you or your family have a major health episode you could be responsible for thousands of dollars BEFORE the ACA health insurance carriers pays anything.

With a High Deductible Health Plan, you can set up a Health Savings Account (HSA) to set aside funds to pay for many of the medical expenses that can arise should you get sick or have an accident.  By setting up a specific HSA plan, you can reduce your tax liability for the current year as every dollar you contribute to an HSA reduces your gross earnings for the year.  If you don’t need to spend these funds for medical claims during the year, the HSA grows similar to an IRA.  You can use these funds for over 5000 eligible medical expenses including medical, dental, prescription drugs, etc.  Over the counter medications are not eligible.  There are penalties if you decide to take the funds out for not qualified expenses.
 
Click here for additional guidelines as to how much you can contribute to a HSA on an annual year basis.

We recommend that once you buy a HDHP, you immediatey set up an Health Savings Account, EVEN if your not going to fund it.  Why?  Because when you pay your claims, you can still pay the bills through the HSA and reduce your tax liablity for the current year.  Confused, call Leslie and she'll explain it.  

Setting up an HSA - We recommend Health Equity.  We are not compensated by this company.  All they do is manage HSA accounts and they can answer your questions 24/7.  Their administration fees are very reasonable. Check them out.


CONSIDER A PERSONAL ACCIDENT PROTECTION WHEN YOU BUY AN HDHP
LSM Insurance recommends that if you are going to enroll in any health plan and especially a High Deductible Health plan, you evaluate whether a Personal Accident Protection coverage would be useful.  When you are enrolled, If you suffer an accident and access health coverage within 72 hours, the Accident Protection plan can be used to pay your medical bills. This is extremely useful especially if you’re not funding a Health Savings Account.

Aliera Health Sharing Plans


Aliera Health Sharing Plans
Aliera Healthcare, Inc. in partnership with Trinity HealthShare, Inc. created the best of two medical care programs to provide healthcare solutions designed to reduce out-of-pocket expenses and improve individuals’ and families’ healthcare experiences. Aliera’s program in conjunction with a Health Care Sharing Ministry (HCSM) Hospitalization and Surgery plans which provides members with one of the most flexible and cost-savings programs in the market today. The goal of our model of care is to achieve an optimal level of wellness and improve care while providing cost-effective, non-duplicative services.

Healthshare Membership -- Trinity HealthShare, Inc. is a Health Care Sharing Ministry (HCSM) which acts as an organizational clearing house to administer sharing of healthcare needs for qualifying members. The membership is based on a religious tradition of mutual aid, neighborly assistance, and burden sharing. The membership does not subsidize self-destructive behaviors and lifestyles, but is specifically tailored for individuals who maintain a healthy lifestyle, make responsible choices regarding health and care, and believe in helping others. The HCSM Healthshare membership is NOT health insurance.
 
To review plan options and apply 

Perspective enrollees must answer health screen questions when completing an application.  Individuals with certain illnesses or health concerns may be denied coverage.  These plans do place pre-exisiting condition limitations on  current ongoing health issues.

Telemedicine - Alieria Partner First Call offers board-certified family practitioners, pediatricians, and internists that can diagnose, treat, and write prescriptions when necessary and are available 24/7/365 from anywhere in the world. Providers can resolve most medical concerns over the phone or online through video consultation in the convenience of your home or when on the go. Telemedicine consultations help make healthcare affordable for any member.

Preventive and Primary Care services are considered to be the core of all Aliera plans and key to maintaining a healthy lifestyle. Aliera’s model of care is based on excellent service and a modern, innovative approach that truly is patient-centered. This includes medical care for members such as office visits, a variety of screenings, wellness guidance, basic eye and hearing exam.

Quest Labs - Aliera's Lab Partner - Most labs ordered by Primary Care Physicians (PCP) or Urgent Care facilities are included in the monthly membership. Labs required for covered benefits should be completed using Quest Labs in most areas.

Members must agree to the following Trinity HealthShare Statement of Beliefs to be approved for inclusion in an Trinity sharing plan:
1. We believe that our personal rights and liberties originate from God and are bestowed on us by God.
2. We believe every individual has a fundamental religious right to worship God in his or her own way.
3. We believe it is our moral and ethical obligation to assist our fellow man when they are in need, according to our available resources and opportunity.
4. We believe it is our spiritual duty to God and our ethical duty to others to maintain a healthy lifestyle and avoid foods, behaviors, or habits that produce sickness or disease to ourselves or others.
5. We believe it is our fundamental right of conscience to direct our own healthcare, in consultation with physicians, family, or other valued advisors.

The following legal notices are the result of discussions by Trinity HealthShare, Inc.or other healthcare sharing ministries with several state regulators and are part of an effort to ensure that Sharing Members understand that Trinity HealthShare, Inc. is not an insurance company and that it does not guarantee payment of medical costs. Aliera's  role is to enable self-pay patients to help fellow Americans through voluntary financial gifts.

GENERAL LEGAL NOTICE
This organization facilitates the sharing of medical expenses but is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy.
Sharing is available for all eligible claims; however, this program does not guarantee or promise that your medical bills will be paid or assigned to others for payment.
Whether anyone chooses to pay your medical bills will be totally voluntary. As such, this program should never be considered as a substitute for an insurance policy.
Whether you or your provider receive any payments for medical expenses and whether or not this program continues to operate, you are always liable for any unpaid
bills. This health care sharing ministry is not regulated by the State Insurance Departments. You should review this organization’s guidelines carefully to be sure you
understand any limitations that may affect your personal medical and financial needs.

Short Term Medical Plans


 Short Term Medical Plans
If you are a recent graduate, waiting for group health insurance to start, self employeed, making less than 100% of the 2016 Federal Poverty Level or simply can't afford an Affordable Care Health Plan health coverage a Short Term Medical plan should be considered. These Short Term Medical Plans are generally more affordable and will provide you with catastrophic coverage should a big medical claim occur. They do NOT cover preventative care and most medical care is subject to a deductible before the insurer will pay.  You can purchase a plan that will cover you for 30 to 364 days. If you pay for the coverage in a single payment, you will get a price discount.

United Healthcare Short Term Medical Plan Brochure - NC
UNITED HEALTHONE QUOTES

IHC SHORT TERM MEDICAL PLANS QUOTES

This is not qualifying health coverage (“Minimum Essential Coverage”) that satisfies the health coverage requirement of the Affordable Care Act. If you don't have Minimum Essential Coverage, you may owe an additional payment with your taxes.

Medicare Options


Medicare Options
Whether your new to Medicare or covered for years, it's important to evaluate your options. Medicare has a number of moving parts and you may need someone aside of a customer service representative to talk to.  If you want to learn about Medicare, we recommend you reach out to Leslie, at least three months before your 65th birthday. If you've been on a Medicare plan for a while, it makes sense to review your coverage every few years.  If you need assistance, Leslie S McMillan can help.  She is certified to offer North Carolina:

  • Medicare Supplement Insurance plans 
  • Medicare Advantage Plans;
  • Medicare Prescription Drug plans;
Representing a number of North Carolina Medicare Insurance carriers means that we can help you make an informed decision.  We're happy to answer your questions and assist you with the enrollment process if you decide to make any changes. Check out what other people have to say about working with Leslie.  Call us directly at 919-271-6898 or email us.

Brochures & Forms


Life Insurance


Life Insurance

HSA Guidelines for 2019


HIGH DEDUCTIBLE HEALTH PLAN (HDHP) 

Health Savings Plan Guidelines for 2019


To open or contribute to an HSA, individuals must have coverage under an HSA-eligible HDHP. HDHP qualification guidelines change every year according to deductible and maximum out-of-pocket limits.

According to IRS guidelines, health policies must reflect the following features to qualify as an HDHP in 2019.

2019 Health Savings Account Guidelines


Self-only

Family

HDHP Minimum Deductible


$1,350

$2,700

HDHP Maximum Out-Of-Pocket Amount


$6,700

$13,500

It’s important to remember that not all HDHPs are HSA eligible. Besides meeting these deductible and out-of-pocket requirements, a policy must not offer any benefit beyond preventive care before meeting the annual deductible.

2019 HSA Contribution Limit


$3,500

$7,000

2019 Catch Up Provision for Individuals 55+



$1,000

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VISION INSURANCE


SPIRIT VISION

Choose between four different plans. SPIRIT VISION works with Ameritas to offer EyeMed and Vision Service Plan (VSP) vision provider networks. Plan A offers eye exams every 12 months. Plan B offers eye exams every 24 months. Choose the network and plan that's right for you and your family. You can also add a dental plan.

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Humana Vision Coverage

Humana offers a vision plan that includes great benefits for an affordable price through EyeMed

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Dental Carrier Links


Spirit Dental Plans

Traditional dental plans pay 100% of preventative care once you purchase a plan but will have a waiting period for basic and major dental care. If you’re currently in pain, consider a discount dental plan that has no waiting periods or pre-existing condition limitations. A visit to the dentist can be expensive. Protect your pocketbook and your oral health with a dental plan that can offset unexpected dental expenses. Some procedures can get pricey, so knowing up front exactly what you will pay gives you peace of mind. Not going to the dentist to avoid expensive dental bills can put you at risk for anything from cavities to gum disease.We offer a variety of dental plan options designed to meet your budget. Whether you are looking for a traditional dental plan similar to what an employer would offer or just a plan to help reduce the cost we've got you covered. Check out our options and contact us with questions or if you need help. Some of our plans cover preventive work such as routine cleanings and x-rays, as well as major services such as crowns and root canals while other offer you discounts to local dental providers. Dental insurance is a valuable benefit as having coverage makes you more likely to visit the dentist, who can also identify warning signs for health conditions such as cardiovascular disease, endocarditis and diabetes.

Learn More

Delta Dental

Traditional Individal Dental Plan with the largest dental network in the US

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Blue Cross Blue Shield of North Carolina

Blue Cross Blue Shield offers a traditional dental plan. Please contact us so we can send you a quote.

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Humana Dental Plans

Humana offers a variety of discount and traditional plan designs for every budget. Call us to review them in detail or go on line and enroll today

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