Creative Solutions
Who We Are
Lanady specializes in providing a variety of products and services to meet our customer’s demands at the highest level of quality. We service our clients by ensuring they have the right product/service that fits their current needs.
We are contracted with all of the major carriers in order to offer the plans that provide the coverage and benefits you are entitled to and those plans that you qualify for.
Our Solutions
Medicare
Lanady can assist you with the 2 main ways to get Medicare:
1. Original Medicare is a fee-for-service health plan that has two parts: Part A (Hospital Insurance) and Part B (Medical Insurance). After you pay a deductible, Medicare pays its share of the Medicare-approve amount, and you pay your share (coinsurance and deductibles). If you want Medicare drug coverage (Part D), you can join a separate Medicare drug plan.
2. Medicare Advantage (also known as “Part C”) is a type of Medicare health plan offered by a private company that contracts with Medicare. These plans include Part A, Part B, and usually, Part D. Plans may offer some extra benefits that Original Medicare doesn’t cover.
Supplemental Coverage
Lanady offers Supplemental Insurance plans to our customers based on their needs and budget.
Supplemental insurance refers to an insurance policy that supplements your primary health insurance coverage. Supplemental insurance includes a variety of policies that can be explained by our specialized insurance agents.
Examples of supplemental health insurance include dental plans, critical illness plans, and hospital indemnity plans. Whether a supplemental health plan is right for you depends on your health, the costs of the plan, and the benefits of the policy you’re thinking about buying.
Life Insurance
Lanady provides a questionnaire to all of our customers to ensure they will receive the appropriate life insurance product for their needs.
A life insurance contract is simply, in exchange for your premium payments, the insurance company will pay a lump sum known as a death benefit to your beneficiaries after your death. Your beneficiaries can use the money for whatever purpose they choose.
Life insurance costs depend on factors such as age, health, and lifestyle. If you’re young and healthy, you’ll likely pay less for life insurance than someone older or with health problems.
Some common types of life insurance include Term Life Insurance, Whole Life Insurance, Universal Life Insurance, and Final Expense