We meet the health and life insurance needs for individuals, families, self-employed, and small and large employers. We are concerned with finding the best health and life insurance solutions and rates for individuals, families, and groups who need affordable health or life insurance.
Health Insurance Plans
- Open Access deductible and copay plans
- Preferred Provider Options (PPO)
- High Deductible Health Plans (Health Savings Account (HSA) qualified plans)
- Short-Term Medical Insurance options
- Small and Large Employer Group Insurance options
- Medicare Supplement and Medicare PPO options including Medicare Part D Rx plans
The Musty-Barnhart Agency works with these quality health insurance carriers (shown at right) to find the best plan that meets your individual or group health insurance needs.
Life Insurance Plans
- Term Life Insurance
- Whole Life Insurance
- Universal Life Insurance
- Children’s Life Insurance
- Small and Large Employer Group Life Insurance
Affordable life insurance plans can be tailored to meet a client’s personal needs whether for individuals or groups. For an individual quote, please submit a Request a Quote Life Insurance form. If you have specific questions regarding life coverages, please contact Dee Whipple.
Disability and Long-Term Care Insurance Coverage
How would you pay your bills if an accident or illness made it impossible for you to work? Many people do not have the proper coverage to protect them after an injury that leads to a disability. If you are self-employed, disability insurance is a particularly valuable product.
Disability insurance typically provides 50%-60% of your pre-disability income. Most of today’s contracts emphasize retraining and rehabilitation benefits. The hope is to allow you to return to a productive lifestyle as soon as possible. Disability insurance may be part of an employee benefit package or purchased individually. Whatever your disability insurance needs, Musty-Barnhart Agency can assist you.
Long-Term Care Insurance
Long-term care used to be thought of as care received in a nursing home. The definition has now expanded to include services that help people who may have limitations regarding their ability to care for themselves on a daily basis to help them live independently.
The type of care needed can fall into two areas:
- Help with normal activities of daily living, which include eating, dressing, transferring, toileting, continence and bathing; or
- required supervision due to cognitive impairment
These services are generally not covered by typical health insurance or by our Medicare system. The cost of residential nursing home care is expensive and costs can average from $150 to $400 per day depending on the level of skilled care needed. You can protect your assets and preserve your estate from these high costs by purchasing long-term care insurance.
Whatever your needs, whether it be for health, life, disability, or long-term care insurance, Musty-Barnhart Agency will be able to tailor an insurance plan to meet your needs!