Frequently Asked Questions

Short-term medical insurance, also known as temporary or term health insurance, is a type of health insurance coverage that provides temporary coverage for unexpected illnesses or injuries. It is often used as a bridge between coverage periods or as a temporary solution for those who are uninsured or between jobs. 

Benefits Summarized:

• Temporary Coverage of 3, 6 or 12 months (could be up to 36 Months) for people in good health
• Easily obtained, short approval process, just a few questions
• Nationwide PPO Plans available
• Works with the Cigna or Aetna Networks 
• Typically more cost effective vs ACA Plans (Obamacare) 
• It is customizable & flexible 
• Assessable for Doctor Visits & Urgent Care 
• You are healthier, or younger, or want a cheaper option 
• Good option for job changers, self employed, or people in between jobs
• Works well with Supplemental Plans like Accident coverage, Critical Illness, or Hospitalization plans 

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Get Covered as soon as tomorrow, with next day coverage.

Lower rates available for those that qualify. Call for possible savings vs the Quote site. 

• Accident insurance helps you pay for medical and other out-of-pocket costs that you may incur after an accidental injury. 
• Critical Illness protects you in the event of a future major illness diagnosis. This type of plan supplements existing health insurance coverage with extra funds that meet the demands that come with critical illness health emergencies. 
• Similar to accident insurance, hospital indemnity insurance pays benefits directly to policyholders (unless otherwise assigned) to help cover unexpected costs. 

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Short term health plans have become an alternative for those trying to escape the full costs of an ACA/Obamacare plan, in great health, who are considering going UN-insured, and just need an affordable catastrophic policy. 

Disclaimers - 

• Does not provide same level of coverage as ACA Plans
• Not meant as a long term solution - short term plans of 3 to 36 months
• Does not cover pre-existing conditions (in Year 1, some instances in Year 2), or pregnancies
• Not recommended for families with kids, case specific depending on needs 
• Not ACA Compliant
• For Info on ACA Plans - https://www.healthcare.gov/see-plans/#/

Insurance Needs - What We Do

We provide help in attaining all types of insurance products from:

• Short Term Medical - Get an Instant Quote: Click HERE
• Supplemental Plans - Accident, Critical Illness, Disability, Hospitalization, Dental, Vision 
• Life Insurance - Term or Permanent / IUL
• Annuities - creating income
• Long Term Care - LTC
• Retirement Plan - we create help setup your plan 

Who We Work With

We serve people who need health insurance, life insurance & have retirement needs:

• Individuals 
• Job Changers or Career change
• Self Employed or Small Business
• Contractors - 1099 or side income
• Professionals - attorneys, accountants, architects, etc
• Entrepreneurs - acquired or started their own business 

Dental Insurance

• Dental Insurance can help protect insureds' oral health and their savings, by covering routine care and helping to prevent complications requiring extensive and costly treatment.  

Vision Insurance

• Healthy vision plays an important role in overall wellness and regular eye exams are important for maintaining vision health. While the costs of checkups, glasses and contacts can add up, vision insurance can help reduce those expenses.  

Get an Instant Quote: Click HERE 

There are two types of life insurance: term and permanent. Term insurance covers you only for a specified time period — 10, 20 or 30 years, for example. Permanent insurance is as it sounds — coverage that remains in place until you die.  

 Life Insurance can be used as part of a retirement plan with the living benefits:

• Cash available via loans
• Retirement Income
• Loan Collateral
• Cash Asset
• Creditor Protection
• Long Term Care Riders 

Indexed universal life (IUL) insurance is permanent, which means it lasts your entire life and builds cash value. An IUL policy allows for some cash value growth through an equity index account, unlike other universal policies that only grow cash value through non-equity earned rates. Like with all universal life policies, once you've built up enough cash value, you can use it to lower or potentially fully pay for your premium without lowering your death benefit.  

Benefits of the IUL:

• Higher Return Potential with link to the Market
• Greater Flexibility, no Qualified Plan rules  
• Principal protection and ability to Lock in Gains 
• Tax-Free Income thru the Cash Value 
• No Contribution Limits 
• No Social Security Impact
• Death Benefit tax free to beneficiaries 

Long-term care refers to a host of services that aren’t covered by regular health insurance. This includes assistance with routine daily activities, like bathing, dressing or getting in and out of bed.  

A long-term care insurance policy helps cover the costs of that care when you have a chronic medical condition, a disability or a disorder such as Alzheimer’s disease. Most policies will reimburse you for care given in a variety of places, such as:

• Your home.
• A nursing home.
• An assisted living facility.
• An adult day care center.

You can roll retirement savings like 401(k) plans, 403(b) plans, IRAs and lump sum pension plans into an annuity to create a type of qualified annuity called an IRA annuity.  

What are the benefits of an annuity? Annuities offer a stream of income, provide tax advantages, can grow tax-deferred over time and have no contribution limits. In the event of death, annuities also offer riders that allow you to transfer money to your beneficiaries. 

Annuities are good vehicles for:

• Accumulating & Creating Income for Retirement
• Safety & Guarantees
• Protection from Losses
• Rollover IRA or 401K 
• Create a Pension Plan
• Bond Portfolio Replacement  

You've Changed Jobs or Careers, or Started Your Own Business and need advice on:

• What to do with your IRA
• What Health Insurance Options are there
• Do you need Disability Coverage 
• How to set up a Retirement Plan
• What other Insurance Coverage should you have 
• How Self Employed or Small Business Owners get Benefits

For more Click Here 

There are a number of things to have on your checklist: will, living will, power of attorney, guardianship, find an attorney, organize financial documents - for more Click Here 

We have many Professional Contacts in Different Areas of Expertise (and in other States if needed) to assist in: 

• Health Insurance - Traditional Health Insurance, Group Health Insurance, ACA Plans, Medicare  
• Legal / Taxes - Accountants & Tax Attorneys, Legal, Corporate Business Legal, Real Estate Law, Estate Planning, Asset Protection 
• Financial Services / Real Estate -  Financial Services by a Fiduciary like Managed Money (AUM), Investing, All Areas of Real Estate - realtor, mortgage, investing, etc 

Matt Battaglia has a Life & Health Insurance License (Lice #  15665734) and can do business in AZ, NV, and some other states. He also has contacts nationwide thru corporate if someone needs help in a particular state. 

We work with the Biggest Insurance Companies including:  Allianz  Life, Nationwide, National Life, Lincoln Financial, Cigna, Aetna, Allstate Health, National General & More