Our roots started in New Orleans, around 1965, selling life insurance and disability insurance. Soon clients were asking for medical insurance as well. By 1990 the demand for medical insurance was increasing. With medical costs becoming so high, medical insurance evolved from a convenience, into a necessity. The high cost of medical insurance, combined with the large number of options, created agents who specialize in medical insurance. No longer would buying any policy from any agent provide people with the product and service people were looking for. The situation today is very different. The complexity of the products available has increased dramatically. A person really needs to understand how the benefits offered compare to their individual needs. The process of buying medical insurance has also become more complicated. With the new Health Insurance Marketplace, two neighbors, both the same age and sex, could buy the same plan, and each pay a different premium, and receive different benefits. Never before have medical insurance specialists been so important. Dever & Associates has met all the requirements to sell medical insurance both on and off of the Health Insurance Marketplace, also called the exchange. We are licensed with each company selling policies on the exchange in Louisiana. We can help determine if you qualify for a subsidy, and make sure your application is completed correctly, so you actually receive the subsidy. After you have purchased a policy, we can also help you satisfy any special requirements that all too frequently show up when you thought everything was finished. |
For Medicare Beneficiaries we can provide a full array of Medicare Supplements, Medicare Advantage Plans, and Medicare Part D Prescription Plans. For some people, Medicare will automatically start when they turn 65. For others, Medicare will not automatically start when they turn 65. Make a mistake with Medicare Part D, and you may pay penalties for the remainder of your life. Make a mistake with Medicare Part B, and you may never qualify for a Medicare Supplement , potentially costing you thousands of dollars in claims each year. Make no mistakes; call us! |
