thinking beyond tomorrow

You spend your life taking care of the people you love. But what happens when you pass away? What will become of your family or your business? What financial hardships might arise without your income and your financial leadership?

McNamara & Thiel possesses the expertise to ask the necessary questions so that you can plan for the unthinkable. After all, the last thing you want to leave your loved ones is debilitating debt.

Health Insurance

We can help you find individual health insurance to meet your needs and budget. Our agency has Marketplace certified agents that will compare health insurance plans for coverage and affordability, enroll or change a health insurance plan, and find out about tax credits for private or public health programs such as Medicaid or CHIP. We also work hard to clearly explain what your plan covers, so you understand what you’re buying.

Medicare Advantage Plans

Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare is the federal health insurance program for:

• People who are 65 or older
• Certain younger people with disabilities
• People with End-Stage Renal Disease and ALS

Medicare Part D Prescription Drug Plans

Medicare Part D prescription drug coverage is available in two different ways, depending on whether you’re enrolled in Original Medicare or Medicare Advantage. These plans cover generic and brand name drugs for the plan year.

Medicare Part D coverage is available:

• Through a stand-alone Medicare Part D Prescription Drug Plan—you can add this benefit to your Original Medicare coverage. You can enroll in any Part D Prescription Drug Plan that serves the area where you live.
• Through a Medicare Advantage Prescription Drug plan—you can get a Medicare Advantage (Part C) plan that includes prescription drug coverage, so that you get all your Medicare benefits under one plan.

**Julie Hilbert, the former Benefit Specialist for Fond du Lac County is versed and available to review Part D plans every year to find the best suited plan for you based on your needs.

We do not offer every plan available in your area. Currently we represent 6 organizations which offer 31 products in your areas. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.

Medicare Supplement Plans (Medigap) in Wisconsin

Medicare Supplement plans, also called Medigap plans, are standardized insurance policies you may purchase to help cover the out-of-pocket costs such as deductibles and the 20% in Original Medicare coverage. Medicare Supplement plans in Wisconsin have different standardized benefits than those offered in the other parts of the United States. Medicare beneficiaries in Wisconsin may have a wide range of choices in Medigap plans, depending on the county and zip code they reside in.

Long-Term Care insurance

When the need for care first arises, you’ll probably turn to family and friends. However, your needs may go beyond their ability to help – whether physically or financially. That’s where long-term care (LTC) insurance comes in. LTC insurance allows you to get the care you need, in the setting that’s right for you. LTC policies reimburse policyholders a daily allowance to assist them with activities of daily living such as bathing, dressing, or eating.

Disability insurance

Would you or your family be able to continue your current standard of living should you become permanently or temporarily disabled? Would your business be able to function if you were unable to contribute? Disability Insurance can provide the solutions to these questions and McNamara & Thiel has the experts to guide you through the process to select the right product for your needs.

Questions about Life & Health Insurance?

Call (920) 923-2626 and we can talk over the options.