Need Help with Medicare Insurance?
We can help you with Medicare Advantange Plans and Medicare Supplement Insurance!
Need Help with Medicare Insurance?
We can help you with Medicare Advantange Plans and Medicare Supplement Insurance!
Medicare Advantage
Get All Your Benefits With a Medicare Advantage Plan
Douglas Smith Agency can offer you a Medicare Advantage plan which contracts with Medicare to ensure you get full benefits. Clients with an advantage plan will get all their Part A and Part B benefits covered.
After enrollment, clients will get health care services covered that wasn't covered through the original Medicare plan. Many of our Medicare Advantage plans offer prescription drug coverage. Trust our experienced team to help you get the right health care coverage for everything you need. Contact us today!
Medicare Advantage Plans Include...
- Health Maintenance Organizations
- Preferred Provider Organizations
- Private Fee-for-Service Plans
- Special Needs Plans
- Medicare Medical Savings Account Plans
Medicare Supplement
Supplemental Insurance to Aid Health Care Costs
Supplement your Medicare insurance with Medigap which can help you pay for some costs that your regular Medicare doesn't cover. Your Medicare won't cover all your health care needs such as co-payments, deductibles and other costs. Medigap policies are sold by private companies and can even offer health care coverage when you travel outside the United States.
Trust Douglas Smith Agency to help you choose supplemental Medicare to improve your health care situation. Once you buy a Medigap policy, Medicare will pay its approved amounts for any covered health care costs. Then, Medigap will offer supplemental coverage and pay their policy share. Contact us today for a same-day appointment.
Costs Medicare Doesn't Cover
- Co-payments
- Co-insurance
- Deductibles
- Medical care when traveling outside the U.S.
Personal Insurnace Options
Home Insurance
Protect Your Assets With Homeowner's Insurance
If you own a home with tangible assets, you need proper protection to cover your property and everything in it in the event of a problem. Homeowner's or renter's insurance can cover your personal property. A well-written policy can also pay to replace any items destroyed or stolen in your home.
Home insurance coverage can also protect you against lawsuits filed by anyone who is injured at your home. Trust the experienced insurance agents at Douglas Smith Agency to help you choose the right homeowner's or renter's policy for your needs. Protect your assets and get peace of mind with our different coverage options.
About Named-Perils and All-Risk Policies
The cost of home insurance can vary depending on many factors, but the quality of coverage often depends upon how well the policy is written and the quality of the insurer. The policy can be written with named perils or it can be written on an all-risk basis.
A named-perils policy covers the specific losses which are cited in the insurance contract. An all-risk policy offers coverage for a broad spectrum of perils unless one is specifically excluded from the contract. In the event of a loss, if you have an all-risk policy, the burden of proof lies with the insurance carrier instead of the homeowner.
Auto Insurance
Find Coverage for Your Auto Insurance Needs
There are two types of auto insurance coverage that protect you in the event of an accident. The liability part of your policy will cover your financial responsibility in the event that others are injured in your auto accident. Most states require at least some form of liability insurance.
The second part of your auto insurance policy is called comprehensive coverage which covers your car itself. This coverage ensures that you get reimbursed for losses due to theft, fire and other harmful situations. Collision coverage is an optional part of auto insurance which can be mandated by banks or leasing companies and can cover losses and repairs from an accident.
Types of Auto Insurance
If you get an insurance plan with high deductibles for physical damage coverage, you can ensure you reduce your premiums. Umbrella insurance is a great way to lower costs, but you must make sure that you carry the required amount of basic liability insurance. So in the event of a serious accident, you can avoid gaps in coverage. Let us help you choose the right policy and coverage!
- Liability coverage
- Comprehensive coverage
- Collision coverage
- Ancillary medical
- Car rental