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Your Trusted Partner for Insurance Clarity
At Insurance Specialists Group, led by James Loftus, we understand that navigating the world of insurance can feel overwhelming. Our mission is to simplify this complex landscape, providing clear, personalized guidance for individuals and seniors alike. We believe everyone deserves access to the right coverage that fits their unique life and budget, without confusion or stress. With a focus on Medicare solutions and individual health plans, we act as your dedicated advocate, ensuring you make informed decisions for your health and financial peace of mind.
We're Here For You
Understanding your insurance options shouldn’t be a puzzle. We know that choosing the right plan, especially for something as vital as your health, can bring many questions and uncertainties. Our team is built on a foundation of empathy and deep expertise, committed to demystifying insurance for you. We listen to your specific needs, explain every option in plain language, and work diligently to find a solution that offers genuine security and value. Consider us your personal guide in finding the perfect coverage, ensuring you feel confident and cared for every step of the way.
What Our Clients Says
Hear from clients who found clarity and peace of mind with James Loftus and our team. Their experiences highlight our dedication to personalized service and finding the perfect insurance solutions for every unique situation.
Discover Your Best Options
Schedule Your Free Consultation
Taking the first step towards securing your ideal insurance plan is easier than you think. We invite you to connect with us for a free, no-obligation consultation. This is your opportunity to discuss your unique health needs, explore available plans, and get all your questions answered in a confidential and supportive environment. Let’s work together to outline a clear path to the coverage that truly protects you and your family.
Frequently Asked Questions
Navigating the world of insurance can bring up many questions, and we believe clarity is key. Here, James Loftus and the team at Insurance Specialists Group have answered some common inquiries to help you better understand our services and how we can assist you. If your question isn’t here, please don’t hesitate to reach out!
What services does Insurance Specialists Group offer?
We specialize in helping individuals and seniors find the right health insurance coverage. This includes expert guidance on Medicare plans (Medicare Medigap, Medicare prescription plans/Part D, and Medicare Advantage/Part C), as well as individual health insurance options, including plans under the Affordable Care Act (ACA), often referred to as Obamacare. We also help you explore options for essential benefits like dental, vision, and hearing coverage.
How much does your consultation cost?
Our consultations are completely free and come with no obligation. We believe everyone deserves access to clear, unbiased information to make informed decisions about their health coverage. It’s an opportunity for us to understand your needs and for you to learn about your options without any pressure.
Am I too old or too young to get health insurance through you?
Not at all! We assist a wide range of individuals. For seniors, we specialize in Medicare options, which typically begin around age 65, though certain disabilities can make you eligible earlier. For individuals of all other ages, we navigate individual health insurance plans, including those available through the Affordable Care Act marketplace.
What's the difference between Medicare Medigap and a Medicare Advantage Plan?
This is a great question many people ask! Medicare Medigap (or Medicare Supplement Insurance) plans work with your Original Medicare (Part A and Part B) to help cover out-of-pocket costs like deductibles, copayments, and coinsurance. A Medicare Advantage Plan (Part C), on the other hand, is an alternative way to get your Medicare Part A and Part B benefits through a private insurance company. Many Advantage plans also include prescription drug coverage and extra benefits like dental, vision, and hearing. We can help you understand which approach aligns best with your healthcare preferences and budget.
Can you help me if I have a pre-existing condition?
Absolutely. Under the Affordable Care Act (ACA), health insurance companies cannot deny coverage or charge you more based on a pre-existing condition for individual health plans. For Medicare, pre-existing conditions are also generally covered. We are here to guide you to plans that provide the comprehensive care you need, regardless of your health history.
Do you directly sell insurance policies?
We don’t “sell” insurance in the traditional sense. Instead, we act as your independent insurance specialists and trusted advisors. We analyze your needs, explain your options clearly, and help you compare various plans from different reputable insurance carriers. Once you’ve chosen a plan, we assist you through the enrollment process, ensuring it’s as smooth and easy as possible. Our focus is on finding the right plan for you.
How do I get started with Insurance Specialists Group?
It’s simple! The best way to begin is to contact us to schedule your free, no-obligation consultation. You can reach out by phone or through our website’s contact form. We look forward to listening to your needs and guiding you toward your ideal insurance solution.