When you are looking for quality Healthcare, life insurance, or financial retirement Advice...

Finding the right health insurance, life insurance, and retirement plans can be a daunting task, but here at Mosley Mutuals we will do all the hard work for you and explain all of your options in an easy and understandable manner.

General tips to help guide you in the right direction:

Research different insurance providers and plans: Do your homework on various insurance providers and the plans they offer. Compare their premiums, deductibles, coverage, and benefits to determine which one suits your needs best.Understand the different types of insurance plans: There are different types of insurance plans available, such as HMOs, PPOs, and EPOs. Make sure you understand the differences between them before making a decision.

Consider your current health status and lifestyle: Your current health status and lifestyle will affect the type of coverage you need. For example, if you have a chronic illness or participate in high-risk activities, you may need more comprehensive coverage

Seek professional advice: Consider seeking advice from a financial advisor or insurance broker, like Mosley Mutuals to help you navigate the various options and make an informed decision.

Review your coverage regularly: Your insurance and retirement needs may change over time, so it's important to review your coverage regularly to ensure you have the right level of protection.

Why Mosley Mutuals, LLC?

We have more than a decade of combined experience with our partners in the Health and Life Insurance field. We have excellent teams of licensed insurance agents to help you navigate your healthcare, life insurance, and investment options.

What are some of the services Mosley Mutuals Offers?

Choosing the right plan for your healthcare and future can be confusing, but choosing Mosley Mutuals makes it easier. Our team of agents are available to help you find the best options to meet your needs.

Individual Health Insurance Plans

Individual health insurance plans are health insurance policies purchased by individuals to cover their healthcare expenses. These plans can be purchased by individuals who are not eligible for group health insurance plans, such as self-employed individuals or those who work for small companies that do not offer group coverage.

Individual health insurance plans typically provide coverage for a range of healthcare services, including doctor visits, hospital stays, prescription drugs, and diagnostic tests. However, the specific benefits and coverage levels vary depending on the policy and the insurance provider.

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Medicare Advantage

Medicare Advantage (Part C) is another way to get your Medicare Part A and Part B coverage offered by Medicare-approved private companies.

Many Plans offer prescription drug coverage bundled into their offerings. Some plans may even offer additional benefits like Dental, Vision, and Hearing.

Some Medicare Advantage plans may limit you to a specific network of doctors and pharmacies.

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Medicare Supplemental Plans

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.

Medigap policies generally don't cover:

• Long-term care

• Vision or dental services

• Hearing aids

• Eyeglasses

• Private-duty nursing

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Ancillary Insurance Plans

Ancillary health insurance plans are policies that provide coverage for healthcare services and expenses that are not typically covered by standard health insurance plans. These plans are designed to supplement primary health insurance coverage and provide additional benefits for a wide range of healthcare needs.

Some examples of ancillary health insurance plans include:

Dental insurance: This type of plan covers routine dental care, such as cleanings, fillings, and extractions, as well as more complex procedures like root canals and crowns.

Vision insurance: This plan provides coverage for eye exams, prescription glasses, contact lenses, and other vision-related expenses.

Disability insurance: This policy provides income replacement if you become unable to work due to an injury or illness.

Long-term care insurance: This coverage helps pay for the cost of long-term care services, such as nursing home care, assisted living, and in-home care.

Accident insurance: This type of policy provides financial protection in the event of an accident, covering medical expenses and lost income due to disability.

Critical illness insurance: This plan provides a lump-sum payment if you are diagnosed with a serious illness, such as cancer, heart attack, or stroke.

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Medicare Advantage Plans for Veterans

When approaching the age of 65, signing up for Medicare Part A and B is automatic if Social Security benefits have been received at least four months before that milestone birthday. However, if Social Security won't be paying out at this point, it'll be necessary for beneficiaries to enroll themselves into a plan.

If you have private health coverage and will be turning 65 soon, consider enrolling in Medicare Part A for expanded coverage options. Doing so may reduce your out-of-pocket medical expenses! Additionally, suppose an employer group plan currently covers you or a spouse at the time of enrollment into Medicare Part A; deferring to Part B without any future penalties is possible.

Veterans can receive quality healthcare through Medicare, provided they meet eligibility requirements. Any US citizen who qualifies due to age or qualifying disability may apply for Medicare. Those who work for 10 years or more are entitled to Part A without having to pay a premium.. Meanwhile, those under age 65 may be eligible if suffering from end-stage renal disease or a qualifying Social Security disability. Once enrolled in Original parts A & B of Medicare, coverage plans like Medigap and an Advantage plan are available. Part D prescription drug benefits provide complete healthcare access -allowing veterans to continue their service by caring for themselves with peace of mind.

If you are a veteran with VA health care benefits, signing up for Original Medicare is the best way to give yourself full freedom of choice when it comes to your medical needs. Not only will this coverage allow you access non-VA facilities and specialized treatment that fall outside the VA network, but also enrolling in a Medicare Advantage Plan or an additional Medigap plan can help reduce any out-of-pocket expenses not covered by Original Medicare. With these two combined, veterans have more options than ever before in terms of their healthcare decisions.

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Prescription Drug Plans

• Helps cover the cost of prescription drugs (including many recommended shots or vaccines).

• You join a Medicare drug plan in addition to Original Medicare or you get it by joining a Medicare Advantage Plan (Part C) with drug coverage.

• Plans that offer Medicare drug coverage are run by private insurance companies that follow rules set by Medicare.

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Life Insurance

Life insurance is simply a contract between an individual and an insurance company, in which the individual agrees to pay regular premiums in exchange for a lump sum payment to their beneficiaries upon their passing. The purpose of life insurance is to provide financial security for loved ones in the event of the policyholder's passing.

There are several types of life insurance policies available, including term life insurance, whole life insurance, universal life insurance, and variable life insurance. Each type of policy has its own set of benefits and features, and individuals should carefully consider their needs and financial situation before selecting a policy. Always speak with a skilled licensed agent for all of your options.

In addition to providing financial support for beneficiaries, life insurance policies may also offer other benefits, such as tax advantages or the ability to borrow against the policy's cash value.

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Final Expense Insurance

Final expense insurance is a type of life insurance policy that is specifically designed to cover the costs associated with a person's funeral and burial or cremation expenses, as well as any outstanding medical bills or debts they may have at the time of their passing. This type of insurance policy is typically purchased by individuals who want to ensure that their loved ones are not burdened with the financial costs of their final expenses.

Final expense insurance policies are typically available in lower face amounts compared to traditional life insurance policies, ranging from $5,000 to $50,000. They also have simplified underwriting requirements, which means that the application process is generally easier and faster than for traditional life insurance policies. In addition, they often have level premiums, which means that the premiums will remain the same throughout the life of the policy, and the benefits will be paid out to the designated beneficiaries upon the policyholder's passing.

Final expense insurance is also sometimes referred to as burial insurance or funeral insurance. It can be a good option for individuals who do not need a large life insurance policy but want to ensure that their final expenses are covered.

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Retirement Planning

Choosing the right Financial Plan for your retirement can be confusing, but with a Mosley Mutuals' agent available to help you find the best options to meet your retirement goals the process can be easy

.There are many different ways to fund your retirement and speaking to a licensed agent to understand your options, return on investment, and risk factors play a vital role in choosing the correct vessel to fund your retirement.

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Setting up a trust for your retirement can be a smart financial move for a number of reasons. Here are 2 major potential benefits:

Asset protection: By placing assets in a trust, you may be able to protect them from creditors, lawsuits, and other potential threats. This can help ensure that your retirement funds are not at risk of being seized or garnished in the event of a legal dispute.

Tax planning: Depending on the type of trust you set up, you may be able to take advantage of tax benefits that can help maximize your retirement savings. For example, a revocable trust can help you avoid probate, which can save your heirs time and money,

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Need Help?

Mosley Mutuals LLC is here to assist you in understanding the various options available through Health and Life Insurance Products to ensure that you live a happy and comfortable life. For the most comprehensive information, we recommend speaking with one of our licensed agents in your area, who can provide details on all the options available to you.

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Plans and products may not be available in all areas. Certain exclusions and limitations may apply.

This Website serves as an educational invitation for you, the customer, to inquire about further information regarding your health insurance options, and submission of your contact information constitutes as permission for a Licensed Insurance Representative to contact you with further information, including complete details on cost and coverage of this insurance. Contact will be made by a licensed insurance agent/producer or insurance company.

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. This is a solicitation for Insurance.

Mosley Mutuals, LLC and their agents are licensed and certified representatives of a Health and Life Insurance organization. Enrollment in any plan depends on contract renewal.