Whether you are an individual or employer we will find the best plan for you. We will explain the differences between deductibles, coinsurance and copays, in-network and out-of-network benefits, HMO and PPO plans and more. Knowing about your plan’s network is also important. It affects which doctors you can see and how much you pay for care. These are just a few examples of important details of how your plan works.
Zimmer and Associates is an independent agency so we check with all our health insurance providers to see what plan will give you the “best bang for your buck” and are not limited to one provider.
If you do not have a health insurance plan available through your employer we are licensed to go into the federal marketplace to check what plans are available for you and for what cost. We work with the marketplace every day and know how it operates. Lastly, it is a misconception that you pay more in premium if you use an agent. That is 100% not true and typically when we go through the application process with you we get you a bigger discount and save more! Even if the cost is the same, why not lean on the professionals? Let us deal with any issues that may arise, your time is much too valuable!
When it comes to Medicare we take pride in being able to help our clients through some of those tough choices in life. Not only is it very confusing to most people but as soon as your 65th birthday you are bombarded with information, phone calls, mail, media and emails. It is extremely gratifying to be able to walk you through this process and get you a customized plan that fits your needs.
HMO Medicare Advantage Plans are typically more affordable. For 2022, these plans have no medical or prescription deductibles and cover most preventive vaccinations at 100 percent.
PPO Medicare Advantage plans are typically more flexible. For 2022, PPO plans include no medical or prescription drug deductibles and cover most preventive vaccinations at 100 percent.
We take great pride in our client satisfaction. Please see some of the many reviews and feedback we get from our wonderful client base.
There are many questions our clients have asked over the years and we love to hear from them, if you have any questions please look to your right or below to see if they may be answered already.
If not, please reach out to us as we would be more than happy to answer any question or concern you may have.
That’s the most important question to our team.
Our team needs to know where you are to help you get where you want to go.
There’s rarely one way to get from Point A to Point B. We provide the pros and cons for each scenario and helps you make a retirement income plan for your individual situation. Our team gives you the tools. It’s your job to make the decisions.
Everything leads up to this point. You have to execute on what you agreed on with our team or nothing happens. We will encourage you to follow through, stick to your retirement income plan, and keep making progress toward your goals.
Change is constant. As times evolve, so might your needs. Our team will work with you to update your retirement income plan as needed, to analyze new information, and to make sure you’re happy with your services and products.
We’re standing by to listen to your dreams, to evaluate and create, or even reimagine a plan so you feel like you’re doing everything you can to reach the goals you deserve.