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Our team of insurance agents have years of combined experience in the industry. We have the knowledge and expertise to provide you with the best insurance solutions for your unique needs.
We are an certified insurance agency that can help you understand your options and choose the plan that is right for you. LONS INSURANCE has a team of experienced agents who can answer your questions and help you compare plans. We can also help you enroll in a plan and get the coverage you need.
At Lons Insurance, we pride ourselves on providing exceptional customer service. We are always available to answer your questions, provide guidance, and help you navigate the insurance process.
We understand that every client has unique insurance needs. That's why we offer customized insurance solutions tailored to your specific situation. We work with you to understand your needs and provide the best coverage options.
if you are approaching age 65 or are already enrolled in Medicare, Reach out to us to learn more about the plans and benefits that you may qualify for. We can help you make the best decision for your healthcare needs.
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Medicare Advantage Plans are another way to get your Medicare Part A and Part B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D).
Medigap is Medicare Supplement Insurance that helps fill "gaps" in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like:
Some Medigap policies also cover services that Original Medicare doesn't cover, like medical care when you travel outside the U.S. Medicare will pay its share of the Medicare-Approved Amount for covered Then, your Medigap insurance company pays its share.
Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medigap policy as long as you pay the premium.
Prescription Drug plans All plans must cover a wide range of prescription drugs that people with Medicare take, including most drugs in certain protected classes,” like drugs to treat cancer or HIV/AIDS. A plan’s list of covered drugs is called a “formulary,” and each plan has its own formulary. Medicare drug coverage typically places drugs into different levels, called “tiers,” on their formularies.
Vision, dental, and hearing plans. In addition to critical illness plans such as; heart attack, stroke and cancer policies.
The Affordable Care Act (ACA) is the name of the health care reform law and its amendments, which address health insurance coverage, costs, and preventive care. The Affordable Care Act is often referred to as Obamacare since it was signed into law in March 2010 by President Barack Obama.
Under the ACA, those who were previously uninsured due to preexisting conditions or financial circumstances and those who were insured in high premium plans or limited benefit plans may now be eligible for more affordable health plans with essential benefits. The ACA has given millions of people access to quality health care. ACA-compliant plans cover things like annual checkups, maternity and newborn care, prescription drugs, emergency services, mental health services, pediatric services and more.
Term Life Insurance
Term life insurance guarantees payment of a stated death benefit to the insured's beneficiaries if the insured person dies during a specified term. These policies have no value other than the guaranteed death benefit and feature no savings component as is found in a whole life insurance product.
Whole life insurance is a permanent policy, which gives you guaranteed protection for your loved ones that lasts a lifetime. With whole life insurance, unlike term, you build guaranteed cash value
Money that grows in your policy that you can access while you're still alive.
An indexed universal life insurance policy includes a death benefit, as well as a component that is tied to a stock market index. The cash value of the policy rises or falls, depending on the performance of that index. These policies offer higher potential returns than other forms of life insurance, as well as higher risks and additional fees.
It is unlikely you will lose money in an IUL because insurance agencies set a guarantee to your principal to protect it against losses in the market.
Return of premium life insurance is usually a type of term life insurance, meaning you lock in a rate for the level term period, such as 10, 20 or 30 years. When the level term
period is over, you can generally renew the policy every year, but at higher rates. ROP life insurance allows you to get those monthly premiums back if you’re still living at the end of the policy period.
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According to Medicare rules, we need your permission to contact you to discuss your Medicare plan options. By submitting a contact form on our website form, you are agreeing to a sales telephone call or an email from a licensed sales agent to discuss the specific types of products above. The person who will be discussing plan options with you is with or contracted by a Medicare health plan or prescription drug plan that is not the Federal Government, and they may be compensated based on your enrollment in a plan. Signing this does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage Plan, Prescription Drug Plan, or other Medicare plan. If you ask for their email address, use this: By providing my e-mail address or telephone number, I agree to allow a licensed sales representative to contact me regarding information related to Medicare health plans and health insurance plans, products, services and/or educational information related to health care.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or (1-800-MEDICARE) to get information on all your options