Frequently Asked Questions
General Information
Q: What services does Zimmer & Associates offer?
A: We specialize in Medicare, life insurance, health insurance (both individual and group), dental and vision plans, annuities, Social Security planning, and Medicaid assistance.
Q: What are your business hours?
A: Our office is open Monday through Thursday, 8:30 AM to 4:30 PM. *Subject to change*
Q: Do you offer free consultations?
A: Yes, we provide no-cost, no-obligation appointments to discuss your insurance and financial needs.
Q: How can I get a quote?
A: You can request a quote by calling us at 989.868.4291, emailing izimmer@zimmer.agency, or visiting our office at 9839 Saginaw St, Reese, MI 48757.
Health Insurance (Individual & Group)
Q: When can I enroll in a health insurance plan?
A: Open Enrollment for the Affordable Care Act (ACA) is from November 1st to January 15th. Outside of this period, you may qualify for a Special Enrollment Period due to life events like marriage, birth of a child, or loss of other coverage.
Q: Do you assist with both individual and group health plans?
A: Yes, we help individuals find suitable health insurance plans and assist businesses in setting up group health insurance for their employees.
Dental & Vision
Q: Are dental and vision plans available separately?
A: Yes, we offer standalone dental and vision plans, as well as plans that can be added to your existing health or Medicare coverage.
Q: What benefits are included in dental and vision plans?
A: Dental plans may include preventive care with $0 copays and allowances for comprehensive services. Vision plans often cover routine exams and provide allowances for eyewear.
Medicare
Q: When am I eligible to enroll in Medicare?
A: Most individuals are eligible at age 65. Enrollment is available during your Initial Enrollment Period, which starts three months before your 65th birthday and ends three months after.
Q: What types of Medicare plans do you offer?
A: We offer various Medicare Advantage plans, including HMO and PPO options, many of which have no medical or prescription deductibles and cover preventive services at 100%.
Q: Do Medicare plans cover dental and vision?
A: Some Medicare Advantage plans include enhanced dental benefits, routine vision exams, and allowances for eyewear. We can help you find a plan that fits your needs.
Life Insurance
Q: What types of life insurance policies do you offer?
A: We offer term life, whole life, universal life, indexed universal life policies. Each type has unique features to suit different needs.
Q: Can I get life insurance without a medical exam?
A: Yes, we have options for term life insurance policies that can be issued without a medical exam, sometimes effective the same day.
Social Security & Retirement Planning
Q: Do you provide Social Security planning services?
A: Yes, we offer guidance on Social Security benefits as part of our financial consulting services. Our team can help you understand your options and plan accordingly.
Q: Can you help with retirement income strategies?
A: Absolutely. We assist clients in developing retirement income plans, including the use of annuities and other financial products to ensure a stable income during retirement.
Annuities
Q: What are annuities, and how can they benefit me?
A: Annuities are financial products that provide a steady income stream, typically during retirement. They can help ensure you don’t outlive your savings and offer various options to suit your financial goals.
Q: Do you offer different types of annuities?
A: Yes, we offer fixed, and indexed annuities, each with unique features and benefits. We’ll work with you to determine which type aligns with your retirement objectives.
Medicaid Assistance
Q: Can you assist with Medicaid planning and applications?
A: Yes, we provide assistance with Medicaid planning, helping clients understand eligibility requirements and navigate the application process.
If you have further questions or need personalized assistance, please don’t hesitate to contact us at 989.868.4291 or izimmer@zimmer.agency.
