LSM INSURANCE ASSOCIATES IS
NOT AFFILIATED WITH LSM & ASSOCIATES
HAVE MEDICARE OR ACA OPEN ENROLLMENT QUESTIONS
BRINGING CLARITY TO CONFUSION
Leslie S. McMillan, Benefits Broker
It's important that you know who you are working with. We are proud to provide you with recent testimonials of the consistent work that we do for our clients. You can also review our 5-star reviews on GoogleMyBusiness. Leslie takes the trust you place in her very seriously and her dedication and comprehensive customer service demonstrate her ongoing commitment to excellence and to YOU, her client. Here's what other clients are saying.
Looking for health insurance for you and your family. We can help. There is a great deal of confusion as to what options you have available when it comes to securing health insurance for your family. We can help you understand the eligibility timelines necessary to apply for Healthcare.Gov as well as assist you in evaluating the merits of whether a more affordable Short Term Medical plan is a viable option for your personal needs.
You can get Medicare when you turn 65, after age 65 if you are covered by an employer's health plan and elect to retire, or before age 65 if you are disabled and given Medicare. We are experts at guiding you through the entire process of signing up for Medicare AND selecting a Medicare Supplement, Medicare RX plan or a Medicare Advantage Plan. Let's schedule a meeting and get started. We recommend you start the process three months before you want your new coverage to start. For Individuals turning 65, your coverage starts the 1st day of your birthday month. If your birthday is on the 1st of the month, Medicare starts your coverage a month BEFORE your birthday. Of course, if your circumstances are different we will address them when we meet. IMPORTANT NOTE: If you do NOT elect Medicare Part B and/or a Medicare Part D drug plan when you first eligible, you will have to pay penalties in addition to your monthly premium if you enroll later. Medicare is complicated, let us help you navigate the process.
We are licensed to sell in NC by the Centers for Medicare and Medicaid. We represent Aetna, Blue Cross Blue Shield of North Carolina, CIGNA, EnvisionRX, Humana, Mutual of Omaha, Silverscript, United Healthcare, and Wellcare.
Call us to schedule an educational appointment at 919-271-6898
Check out testimonials of happy clients we have assisted with this process.
Today, it's quite normal for many of us to have a per person health insurance deductible of $5,000 or more. Plus, in addition to the deductible, you may be responsible for an additional percentage of your medical bills which is called coinsurance. Once the deductible is met, the insurance carrier pays a percentage of the bill and you also pay a percentage of the bill. Common coinsurances maybe 80%/20%, 70%/30%, 60%/40% or even 50%/50%. Once you pay your DEDUCTIBLE and COINSURANCE you have met your OUT OF POCKET MAXIMUM for that ONE person. For many of us, your out of pocket per person could bye $8,000 or more. If you have family coverage, you're out of pocket could be double or even triple that.
An ACCIDENT PROTECTION PLAN can give you peace of mind knowing that if anyone in your family receives care for an accident at a doctor's office, urgent care or hospital emergency room with 72 hours of the accident, the bills for said accidents are paid by the accident bank you buy. The plan is simple in that you select the amount of protection you want and when you have an accident, the accident "bank" reimburses you for all claims up the maximum accident bank. It's a very affordable way to protect yourself from rising out of pocket expenses that come up. Plus, knowing that your family is covered for sports accidents, auto accidents, home accidents means that should someone be injured and you need to seek care, you have peace of mind knowing that the bills are paid and you can focus on your loved one's medical and emotional needs.
Today more than ever, the need for life insurance is something that we know we need but are often reluctant to address. Why? Because who wants to think about our own demise? Plus, it's not going to happen any time soon, so I can do it later.
In light of recent events, most of us are realizing that calamity can happen must quicker than we have thought possible. In reality, most people end up doing nothing. Why? We get overwhelmed. We are experts and can help you find a life insurance policy that provides you with the most protection you can afford. Don't wait and wish you did something. Let us use our 30+ years of expertise to help you make your life insurance decisions easier!
NEW CARRIER: If you are afraid of getting your blood drawn for the paramedical exam that many carriers require, we now offer life insurance coverage that does not require an exam and can be completed online. This saves time and makes the process easy! Contact us to get started
In the world we live in, going to the doctor for a minor health concern is something you don't want to do. Enter - Telehealth - Access to an NC physician by phone or video 24/7/365 days a week. For a nominal monthly fee, you can talk to a doctor about your systems and if it's medically necessary, the doctor can order medication at your local pharmacy. Learn more.
Dental Insurance is something that can assist you in preventing health concerns as well as take the "BITE" out of expensive dental procedures. When you have dental insurance, your preventative care expenses are covered at 100% and since your more likely to visit the dentist, you'll less likely to have surprise expenses for more expensive dental procedures. But if you need them, you know that your dental coverage is there to help you pay those bills. Another benefit of securing dental insurance is that when you go to your routine dental visits, your dentist will be able to check to see if you are experiencing any of the warning signs for health conditions such as cardiovascular disease, endocarditis, and diabetes. We offer a variety of different coverage options based on your needs and budget.
Taking care of your eyes is so important. If your child is experiencing challenges at school one of the first things you can do is to assess their vision. For adults, problems in eyesight can mean that a hidden health issue may be demonstrating symptoms such as diabetes. When you have a vision plan, going to the doctor on an annual basis more often part of your preventative care. We offer several affordable vision plans that will often allow you to use the vision provider of your choice and give you a discount on frames and contact lenses.
Long term care is a plan that can provide you with the funds you need to pay for custodial care of a loved one who no longer can care for themselves. We offer a variety of plan options and would welcome the opportunity to educate you as to the nuances of this product. Contact us at 919-271-6898 for more information.