Medicare Part D Prescription
Prescription Peace of Mind: Medicare Part D Has You Covered!
Medicare Part D Prescription is a federal program designed to help Medicare beneficiaries afford prescription drugs. It works alongside Original Medicare, Medicare Supplement Insurance, or Medicare Advantage Plans, offering coverage for prescription medications through private insurance companies approved by Medicare. Medicare Part D provides beneficiaries with access to a wide range of prescription drugs, helping to reduce out-of-pocket costs and ensure they receive necessary medications for their health needs.
Our Services in 60 seconds
Choosing a life insurance and Medicare plan can be intimidating. That's where The Ed Clunk Agency comes in. We will guide you through all your options, so you'll have no lapse in coverage and can plan for a secure, financial future.
Who we are
Ed Clunk has been in business for over 30 years. While he started at a captive agency, he eventually left start his own independent agency. Now, he helps people prepare for their future. At the Ed Clunk Agency, our goal is to help you make an informed, confident decision about your retirement. Plus, if you find that your current plan has a large increase in price, we will shop the entire market to find a better plan for you.
What we do
The Ed Clunk Agency specializes in providing our clients with insurance policies that have excellent coverage at an excellent price. No matter your insurance needs, we make sure you’re covered! Our helpful agents can provide you with Medicare supplemental insurance, life insurance, annuities, and more! Let us protect your future by helping you prepare for the unknown. We know that choosing an insurance policy can feel overwhelming, so our friendly agents are here to help you sift through the paperwork to find policies that work for you! With years of experience in the industry, we'll be sure to find you the right coverage you need at a great rate.
Services
Medicare
Everyone is different, so everyone deserves individualized care. We specialize in assisting people just like you in designing their financial and Medicare plans to complement their preferred lifestyle. We’re here to walk you through each process so you know every single option available to you.
Annuities
Being ready for retirement doesn’t just mean you have enough money saved up, it can also mean having a fixed, guaranteed income so you can live the life you want. Whether immediate or differed, we can find a plan just fit for you!
Friendly Support
When the unexpected happens, we are here to make sure your loved ones are able to continue on as normally as possible. That’s why we provide you with access to the top carriers in the industry, as well as a streamlined application process that is easy and stress-free, so you can get started on securing finances for your loved ones today!
Medicare Advantage Plan
When you require extra coverage, outside of what Original Medicare provides, a Medicare Advantage Plan will create a fixed network of doctors and hospitals that are subject to your particular needs. We are here to provide Medicare Advantage Plans that cover outside services such as vision, hearing, dental, and fitness programs.
Medicare Part D Prescription
For people who require prescription drugs, and are part of a secure Medicare Plan, Part D helps in increasing affordability by covering the cost of most prescription drugs, as specified by your doctor. Contact us today to learn more about our Medicare Part D Plans. We make every effort to find you the best coverage for all your prescription drug costs.
Indexed Universal
Life
We know the importance of protecting the ones you love now, by investing in and funding an Indexed Universal Life Policy that will provide supportive coverage beyond your lifetime. We provide Indexed Universal Life Insurance Policies to help you build wealth during life, while leaving behind a death benefit for your loved ones during their most difficult hour.
Ancillary products of Cancer, Accidents, Strokes, Heart attack
Ancillary products such as cancer, accident, stroke, and heart attack insurance provide additional financial protection beyond traditional health insurance. They typically offer lump-sum payouts upon diagnosis or occurrence of covered conditions, helping individuals cover medical expenses, lost income, and other related costs. These products can provide peace of mind and financial security in the event of unexpected health challenges.
Medicare Supplements
Medicare supplements, also known as Medigap plans, are insurance policies designed to fill the gaps in coverage left by Original Medicare (Parts A and B). These plans help cover out-of-pocket costs such as deductibles, copayments, and coinsurance. There are several standardized Medigap plans to choose from, each offering different levels of coverage to suit individual needs.
Final Expense Funerals
Final expense insurance, also known as funeral expense insurance, is a type of life insurance designed to cover the costs associated with a person's funeral and burial. It typically offers a smaller death benefit compared to traditional life insurance policies, usually ranging from $5,000 to $25,000. Final expense insurance is often purchased by individuals who want to ensure their loved ones won't be burdened with funeral expenses after their passing.
Why Choose Us?
Medicare Part D Prescription
is a crucial component of Medicare, providing prescription drug coverage to eligible beneficiaries across the United States. Part D supplements
Original Medicare and offers coverage for a wide range of prescription medications. Beneficiaries can access Medicare Part D prescriptions
through private insurance companies approved by Medicare. These plans vary in coverage and cost, but they all aim to reduce out-of-pocket expenses for prescription drugs. Medicare Part D prescription
plans often include a formulary, which lists covered medications, and beneficiaries may have to pay premiums, deductibles, and copayments or coinsurance. Through Medicare Part D Prescription,
beneficiaries can gain affordable access to vital medications, ensuring they receive the treatments they need to maintain their health and well-being.
FAQs
Why is Medicare supplement insurance so important?
Even if you have life insurance it still might not cover all medical expenses. life insurance supplement insurance, or Medigap insurance, can cover what life insurance doesn't such as co-payments, coinsurance, and deductibles. life insurance insurance can provide peace of mind when the unexpected happens and save you from having unpaid medical bills and financial hardships. This is why it is imperative to us to provide you with the foremost life insurance plan options and customer service.
What are annuities? Why would I need one?
Annuities are a financial product that pays out a fixed stream of payments to an individual. Annuities are primarily used as an income stream for those in retirement. The period of time when an annuity is being funded and before payouts begin is referred to as the accumulation phase. Once payments commence, the contract is in the annuitization phase. There are three types of annuity instruments – fixed, variable immediate, and deferred income – giving you wide flexibility in your plan.
Annuities would be something to look into if you are interested in a fixed income in retirement. This is especially useful if you want a low-risk investment.
Why do people buy Life Insurance?
While this question may seem like it has an obvious answer, many people wait too long to purchase life insurance and then can only afford enough to pay final expenses. The real purpose of life insurance, is to ensure that the people you love will be able to go on living—without undue hardship—in the event of your untimely death. It takes a spouse about three years to recover financially, rearranging bills and adjusting to one paycheck, after a partner dies. If children are involved, the adjustment takes an average of five years if both partners had received an income.
People who have significant wealth to the point that life insurance is not a necessity often purchase life insurance as a legacy, intending for the proceeds to benefit a charity or provide an education for grandchildren. It can also provide a means of keeping a business going if the key person dies, or a way for heirs to pay taxes on a large estate.
Owning enough life insurance to completely provide for your family may sound like an impossibility. However, with the right kind of life insurance policy and thoughtful financial planning, it isn't as difficult as you may think.
How can we contact you?
We would love to hear from you! To get in contact with us, you can call us at 419-214-1833 or send us a message by clicking the “Contact Us” page. We look forward to speaking with you!