rose
emaley
insurance agent
Achieve peace of mind knowing that you're protected.
If you're searching for a health and life insurance agent dedicated to helping individuals and families find the right insurance coverage to meet their needs, you've come to the right place.
Emaley Rose Insurance is committed to providing personalized service to each and every client. I believe that insurance is not a one-size-fits-all solution, which is why I take the time to understand your unique situation and recommend coverage options that will best protect you and your loved ones.
I offer a range of insurance products and have no direct stakes in one insurance provider doing better than the other. Whether you're looking for coverage for yourself, your family, or your business, I'm here to help.
SERVICES
Medicare is an essential program that helps millions of Americans access healthcare services.
However, navigating the complex world of Medicare can be challenging. I will help you understand the different Medicare coverage options available and assist you in selecting a plan that best suits your individual health needs and budget.
Life Insurance
Together we'll go over the different types of policies available, such as term life or whole life, and I'll help you determine the amount of coverage you need based on your individual circumstances. I will make sure you understand the terms and conditions of your policy, so you fully comprehend your coverage and benefits.
Individual Health Insurance
Considering the Affordable Care Act? I’ll take you through everything from enrollment coverage to subsidies so that you have a clear idea of what it offers, what it can accomplish, and how it can serve you to ensure that you have the coverage you need to protect your health and financial well-being.
ORIGINAL MEDICARE
WHAT IS ORIGINAL MEDICARE?
Medicare is, essentially, a Federal program for health insurance that has a variety of coverages, requirements, and benefits. It is generally understood as a specialized plan for older citizens, but there are criteria points that allow people younger than 65 to take advantage of this coverage too.
WHO IS ELIGIBLE?
You may be qualified to apply for and enjoy the benefits of Original Medicare if you’re one of the following:
- Someone who’s attained the age of 65 (or is older now).
- Someone who is younger than 65 and collecting disability social security for at least two years.
- Someone suffering from ESRD (End-Stage Renal Disease/Illness). ESRD is a condition where the kidneys fail to function permanently, and the patient requires recurring dialysis or a full transplant.
Different parts of Medicare cover different services. Not having credible coverage for all of the parts can cause you to incur a late enrollment penalty when you do enroll.
Part A
You can understand Part A as hospital insurance. It includes inpatient stays at hospitals, nursing facilities following a hospitalization for rehabilitative care, and PROFESSIONAL home health care if you are determined to be home bound. This does not include custodial care (living in a nursing home) or help with Activites of Daily Living (food preparation, laundry, companion services, bathing, etc.).
Part B
Part B basically covers medical services recieved when you are not admitted into the hospital, including: doctor visits, preventive and diagnostic testing, medical supplies, vaccines, urgent and emergency services, medication administered in a doctors office (think steroid shots and intensive medication treatments such as radiation and chemotherapy), and more.
Part D
Part D covers prescription drugs. These are drugs you get through a pharmacy. Be sure to know your plans preferred pharmacies and mail order pricing to help lower your costs. Plans are not required to cover vitamins or prescriptions for cosmetic conditions (such as hair loss). But some plans do offer coverage for certain vitamins and ED medications.
MY GUARANTEE
NO CHARGE FOR MY SERVICE
The amount you pay for your plan is the same, whether you go about it yourself or take advantage of my assistance. The difference? You don't waste your precious time/energy researching and sifting through the multitude of plan options. I will also review various scenarios you may not realize you will need to consider when making your plan selections.
PERSONALIZED APPROACH
When you enlist my service, I will hold a series of interactions that help me understand your circumstance in detail. As we move along, every decision will be based on an approach that’s customized to your care and wellbeing. My services do not end with your enrollment. I will continue to provide assistance in utilization and annual plan reviews.
HASSLE-FREE IMPLEMENTATION
I will work hand in hand with you through the entire process. Guiding you from the initial thoughts of leaving your current insurance to application and enrollment as well as continued support in utilization of benefits. My services can be accessed in person, over the phone, or video conference.
Emaley Hill
Licensed Insurance Agent
Office Hours
8775 E Market St
Warren, OH 44484
Monday to Friday
9:00 am to 5:00 pm
Get Social
Follow me!
Privacy Policy
Emaley Rose Insurance is not connected with the Federal Medicare program. By contacting this number, you will be connected with a licensed insurance agent. We do not offer every plan available in your area. Currently we represent 5 organizations which offer 60+ products in Trumbull County, Ohio. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.
* Emaley Rose Insurance does not share personal data (phone numbers) and consent with third parties / affiliates or partners.