Health Insurance 

Health insurance is a top priority for both individuals seeking coverage on their own and employers looking to provide benefits to their employees. With the rising costs of healthcare, finding affordable coverage can be a challenge. Medical inflation continues to drive up the cost of health insurance, making it crucial to find a plan that fits your needs and budget.

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Here, we are dedicated to helping you navigate this complex landscape to find the best options available. When you choose us for your health insurance needs, you can expect:
 

• Comprehensive Health Insurance: Plans that cover a wide range of health needs.

• Cost-Effective Packages: Affordable options without compromising on quality.

• Industry-Specific Expertise: Knowledgeable professionals who understand your unique health insurance needs.

• Access to Multiple Providers: A wide network of health insurance companies to tailor the best plan for you.

• Professionalism and Customer Service: Dedicated, expert service from start to finish.
   

Let us simplify your health insurance journey, ensuring you get the best coverage at the best price.

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Medicare Supplements

In addition to basic health insurance policies and group health insurance, The Eternity Insurance Agency, Inc. offers Medicare Supplement plans to help cover some of the costs not paid by Medicare Part A and Part B. Medicare Part A covers expenses like hospital and skilled nursing facility care, while Part B covers services like physician visits, outpatient care, therapy, and ambulance services.

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Medicare Supplement plans can be essential in filling in the gaps, ensuring that you're not left with unexpected out-of-pocket expenses. We are here to guide you through the process, helping you select the right health insurance plan to meet your needs and goals.

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We understand that navigating Medicare and supplemental insurance can be overwhelming. Let us help you secure the right coverage for your health needs.

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Long Term Care Insurance
 

Chances are, you or someone you know has experienced the financial and emotional challenges of caring for an adult family member. Long-term care, which includes assistance with daily activities like eating, bathing, or dressing, can be provided at home, in assisted living, or in a nursing home.

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With the national average cost of long-term care currently at $55,000 per year, and some states seeing costs as high as $93,000, the financial burden can be overwhelming. And with the growing number of baby boomers, long-term care has become the #1 healthcare crisis in America. Projections suggest that these costs will more than quadruple by 2030.

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Given these rising costs, long-term care insurance is a vital protection. It helps safeguard your hard-earned assets while providing you with a choice of quality care. We’re here to help you explore long-term care options, discuss the benefits, and design a plan that meets your family's needs.

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Health Savings Accounts (HSA’s)

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A Health Savings Account (HSA) offers numerous benefits for saving toward future healthcare expenses. Often referred to as the “medical IRA,” an HSA provides tax advantages on contributions, interest, and qualified withdrawals, authorized by federal legislation.

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How an HSA Works:
 

• Greater Control Over Healthcare Dollars: You have the flexibility to withdraw funds when needed, and these withdrawals are tax-free and penalty-free when used for qualified expenses.

• Coverage for a Broad Range of Services: HSAs can be used to pay for expenses toward your deductible, as well as for services your health plan may not cover, including contact lenses, dental services, certain alternative medicines, long-term care insurance, and non-prescription drugs.

• Tax Advantages: Contributions and earnings grow tax-free, and withdrawals for qualified medical expenses are also tax-free.

• Retirement Income Supplement: At age 65, accumulated funds can be used tax-free for medical expenses not covered by Medicare. Non-qualified withdrawals are subject to income tax.
   

We’re here to provide you with benefit details, rate information, and a list of available network providers based on your geographic area. Contact us at 601.371.9911 to learn more about how an HSA can work for you.