Welcome to Brightside Insurance Agency.
 
What We Do:
We are a full service  Insurance Brokerage solving Insurance problems for individuals and small businesses  since 1988.



A Guaranteed Issue* Hospital Indemnity Policy

Missing Major Medical Coverage?

While not a substitute for Major Medical coverage, Premier Options is available for those who are unable to qualify for or afford Major Medical insurance. The Premier and Select packages are designed to include a variety of both inpatient and outpatient benefits, including a strong surgical schedule that can be accessed either in or out of the hospital an unlimited number of times! (Subject to a dollar limit, which varies by plan) Benefits can be paid to any hospital or doctor, but for those that wish to have additional savings, Premier Options also includes access to the Beech Street PPO Network. Beech Street PPO Network provides additional cost savings from repricing when you use a Beech Street provider. (Not available on the Bronze plan)

Do you have Major Medical Coverage but high out-of-pocket expenses and deductibles?

In today’s healthcare environment, many people are looking for ways to keep premiums affordable. While no single plan or plans are best for everyone, many are finding relief in the form of “Packaged Benefits.” Packaged Benefits include a High Deductible Major Medical plan for catastrophic protection and a custom tailored Premier Option plan that can reduce or even eliminate the out-of-pocket exposure associated with hospital confinements. This can often be accomplished with little more premium than is currently required for their Major Medical plan alone!

  • Guaranteed Issue for full-time employees ages 18-64
  • No Ineligible Medical Conditions!
  • No Deductibles or Coinsurance!
  • Use any hospital or doctor
  • Benefits Paid in Cash Directly to You! (Unless you assign them.)
  • Guaranteed Renewable until age 65, conditionally renewable until age 70
  • Beech Street PPO Network included
  • Pays in Addition to Any Other Insurance



To learn more, please click Here.
 
 
What is an Indexed Annuity and how does it work, Check out the video here.
 

Enrolled in Medicare or turning 65 soon?

If you are turning 65 soon, it is time to look at all the programs that can make Medicare better and reduce the over all costs of your health care

 
If you are currently enrolled in Medicare there are many programs, some of them free, that will reduce your health care expenses.

Confused about your Medicare choices? MA, PD, MAPD, PFFS, PPO, HMO. We can help explain your options in a sometimes confusing arena.


To schedule an appointment to discuss your options please call 561-336-2390 or email to: kenjuen@brightsideinsure.com


2015 Individual Open Enrollment

 

The Open Enrollment period for 2015 coverage is November 15, 2014 to February 15, 2015.

If you haven’t enrolled in coverage by then, you generally can’t buy Marketplace health coverage for 2015 until the next Open Enrollment period for coverage the following year.

If you’re enrolled in a 2014 Marketplace plan, your benefit year ends December 31, 2014. To continue health coverage in 2015, you can renew your current health plan or choose a new health plan through the Marketplace during the 2015 Open Enrollment period.

If you don’t have health coverage during 2015, you may have to pay a fee. The fee in 2015 is higher than it was in 2014 — 2% of your income or $325 per adult/$162.50 per child, whichever is more.

Enrollment and coverage start dates

During Open Enrollment, if you enroll:

  • Between the 1st and 15th days of the month, your coverage starts the first day of the next month.
  • Between the 16th and the last day of the month, your coverage starts the first day of the second following month. So if you enroll on January 16, your coverage starts on March 1.

 
 
Why Life Insurance is the ideal savings vehicle
  • Cash values grow tax deferred
  • Unlike IRA's, money can be withdrawn at anytime without incurring a tax penalty.
  • Cash deposited over the required premiums are not sublect to fees or charges.
  • Interest rates and yields are much higher than traditional savings accounts
  • Cash values are liquid, usually a check is sent within 4 days of request.
For assistance or more information and a personalized quote please call us a 866-422-5425.

 
Concerned about Long Term Care Insurance?

One of the complaints we hear about LTC policies is that if you never use it, all the premiums are wasted.
 
"Consider Life Insurance with a Long Term Care Rider".

The death benefit can also be used to pay long term care expenses. If you never need long term care, then the death benefit is passed on to your loved ones whole. If you do need assisted living, then your death benefit can be used to pay for assisted living services and the remainder goes to your heirs.

DEFINITION of 'Annuity'

A financial product sold by financial institutions that is designed to accept and grow funds from an individual and then, upon annuitization, pay out a stream of payments to the individual at a later point in time. Annuities are primarily used as a means of securing a steady cash flow for an individual during their retirement years. They can also be used to pass along wealth in a tax efficient manner.

We offer both "Immediate" and "Deferred" annuities.

There are many different types of annuities, some with deposit bonus's, income riders, Long Term Care benefits and different surrender periods. Please call and we can help you select the best one for your current situation.

 
 
                    
 

                             

 

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