Affordable Health Insurance Plans for Everyone
Get the best coverage options tailored to your needs.
Affordable Health Insurance Plans for Everyone
Get the best coverage options tailored to your needs.
About Shield Insurance Partners LLC
Why Choose Us?
We are a local agency dedicated to helping our community with insurance. We focus on assisting seniors with Medicare needs and helping individuals explore private insurance options. Additionally, we support finding tailored life insurance plans for you. At Shield Insurance Partners LLC, we understand that choosing a health insurance plan can be overwhelming. That's why we offer personalized assistance and guidance to help you find the right plan for your needs and budget.
Services
Policy Review
"Let us take a look at your Medicare policy — we’ll help make sure you’re getting the most out of your coverage, with no pressure and no obligation." a short description.
Quotes for Health Insurance, Dental, and Vision
"Let us give you a personalized FREE quote for health, dental, and vision coverage!" Add a short description.
Long Term and Life Insurance
Let us give quick breakdown of Long-Term Insurance and Life Insurance, since they can sometimes overlap but are actually quite distinct.
We have you covered
Medicare
Let's break down Medicare Supplement (also called Medigap) and Medicare Advantage (Part C), since they're two different paths people often consider when they get Medicare.
Medicare Supplement (Medigap)
What it is:
A Medicare Supplement plan helps pay for the "gaps" in Original Medicare (Part A & B) — like copayments, coinsurance, and deductibles.
Key points:
- You keep Original Medicare (Parts A & B) and add a supplement plan from a private insurer.
- You can see any doctor or hospital that accepts Medicare — no networks.
- Doesn’t include prescription drug coverage (Part D) — you’ll need a separate plan for that.
Medicare Advantage (Part C) - What it is:
An all-in-one alternative to Original Medicare, offered by private insurance companies approved by Medicare. - Key points:
- Includes Part A, Part B, and often Part D (drug coverage).
- May offer extra benefits like dental, vision, hearing, gym memberships, etc.
- Usually uses provider networks (HMO or PPO), so you may need referrals or stick to certain doctors.
- Has lower premiums (sometimes $0), but higher out-of-pocket costs when you use services.
- Annual out-of-pocket max, which Original Medicare doesn’t have.
Long Term and Life Insurance
Long Term Insurance
This typically refers to Long-Term Care Insurance, which is different from life insurance. It's meant to cover the costs of ongoing care due to chronic illness, disability, or aging.
What It Covers:
- Nursing home care
- Assisted living facilities
- In-home care
- Adult daycare
- Hospice or respite care
Key Notes: - Not covered by standard health insurance or Medicare (at least, not long term)
- Usually kicks in when you can no longer perform basic activities (bathing, dressing, eating, etc.)
- Helps preserve your savings and reduces the burden on family
Life Insurance
Life insurance is primarily meant to provide financial protection to your beneficiaries (like your spouse, kids, or dependents) in case you pass away.
Types of Life Insurance:
Term Life Insurance
- Covers you for a set period (e.g., 10, 20, or 30 years) If you die within the term, your beneficiaries get the payout
- Cheaper than permanent insurance
- No payout if you outlive the term (unless you renew)
Whole Life Insurance (a type of Permanent Insurance)
- Covers you for your entire life
- Has a cash value component that grows over time
- More expensive than term
- You can borrow against the cash value
Universal Life Insurance
- Flexible premiums and coverage
- Also includes a cash value
- Good for those who want insurance plus an investment/savings element.
Would you like help figuring out which type might be best for you, or comparing policies and providers?
Health Dental and Vision Insurance
Are you looking for general information about health, dental, and vision insurance, or are you trying to:
- Compare plans
- Understand what's covered
- Find affordable options
- Get insurance for yourself or your family
- Learn how to use your benefits
Let me know your situation or what you're aiming for, and I’ll guide you through it!
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Hours
Mon | 09:00 am – 05:00 pm | |
Tue | 09:00 am – 05:00 pm | |
Wed | 09:00 am – 05:00 pm | |
Thu | 09:00 am – 05:00 pm | |
Fri | 09:00 am – 05:00 pm | |
Sat | Closed | |
Sun | Closed |
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