AffordableONE Insurance

An independent insurance agency working for ONE person...you!!

  • Disability Statistics

    Disability Statistics

    Disability can happen to anyone, it's more common than you think.

    • There are over 51 million Americans that are classified as disabled, representing 18 percent of the population. 
      U.S. Census Bureau, Public Information Office, November 2008

  • Introduction to Disability Insurance

    Disability Insurance

    Protects your most valuable asset and your ability to earn an income.

    Disability insurance pays cash benefits to the policyholder in the event the insured is unable to work due to sickness or injury. That cash benefit ranges from 50% to 70% of income. The insurance company will not pay more than 70% of income because there must be an incentive to return to work.

  • Introduction to Health Insurance

    Why Do You Need Health Insurance?

    Today, health care costs are high, and getting higher. Who will pay your bills if you have a serious accident or a major illness? You buy health insurance for the same reason you buy other kinds of insurance, to protect yourself financially. With health insurance, you protect yourself and your family in case you need medical care that could be very expensive. You can't predict what your medical bills will be. In a good year, your costs may be low. But if you become ill, your bills could be very high. If you have insurance, many of your costs are covered by a third-party payer, not by you. A third-party payer can be an insurance company or, in some cases, it can be your employer.

  • Introduction to Long Term Care Insurance

    Long Term Care Insurance

    What is Long Term Care

    Long Term Care is the assistance individuals need when they are unable to care for themselves and need help with Activities of Daily Living (ADLs) - bathing, dressing, transferring, toileting, continence (control of bodily functions), and eating - or they have severe cognitive impairment such as Alzheimer's disease. The need for long term care can result from an accident, chronic illness or short-term disability, or from advance age. Long term care can include a broad range of services, provided in any setting outside a hospital. It might be help with simple daily tasks like bathing or dressing. It might include skilled care in your own home, an assisted living facility, some other community resources, or a nursing facility.

  • Introduction to Medicare

    The Medicare Program

    Medicare is a health insurance program for:

    • People age 65 or older.
    • People under age 65 with certain disabilities.
    • People with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant)

    The Original Medicare Has Two Parts

  • Medicare Advantage

    Medicare Advantage Plans are health plan options that are approved by Medicare but run by private companies. They are part of the Medicare Program, and sometimes called "Part C." When you join a Medicare Advantage Plan, you are still in Medicare. (see Medicare Part C) With Medicare Advantage Plans:

  • Medicare Part A

    Medicare Part A (2019)

    Part A is Hospital Insurance and covers cost associated with confinement in a hospital or skilled nursing facility. (see Medicare Part A)

  • Medicare Part B

    Medicare Part B (2019)

    Part B is Medical Insurance and covers physicians services, outpatient care, test, and supplies. (see Medicare Part B)

  • Medicare Part D

    Medicare started offering insurance coverage for prescription drugs through Medicare prescriptions drug plans and other health plan options. Medicare's prescription drug coverage will typically pay over half of your drug costs, for a monthly premium. (see Medicare Part D)

  • Medigap Policies

    A Medigap policy is a health insurance policy sold by private insurance companies to fill "gaps" in Original Medicare Plan coverage. Every Medigap policy must follow federal and state laws designed to protect you, and they must be clearly identified as “Medicare Supplement Insurance.” Insurance companies can sell you only a “standardized” policy identified in most states by letters A through D, F through G, and K through N. All policies offer the same basic benefits, but some offer additional benefits so you can choose which one meets your needs. In Massachusetts, Minnesota, and Wisconsin, Medigap policies are standardized in a different way.

  • Understanding Long Term Care

    Understanding Long Term Care

    Many people do not know about or understand all the long term care options that are available. The following are brief descriptions of the major types of long term care, the kinds of service you may need, the ways of paying for long term care and how to find the best services and facilities: