Protect your assets with Essential Financial Services LLC

Medicare Advantage (Part C) is an alternative to Original Medicare. These plans are offered by private insurance companies approved by Medicare.

They bundle coverage into one plan, often including:

• Hospital (Part A)
• Medical (Part B) 
• Prescription drugs (Part D) 
• Plus extra benefits like dental, vision, hearing, and wellness programs

Medicare Supplement Plans (Medigap)These plans help pay for costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. They work alongside your Original Medicare coverage and offer more predictable out-of-pocket costs. We’ll help you compare the best Medigap plans based on your needs and budget.

Prescription Drug Plans (Part D)These standalone plans help cover the cost of prescription medications. They are available to anyone enrolled in Medicare Part A and/or B. Plans vary by the drugs they cover, their preferred pharmacies, and monthly premiums. We'll help you compare options and choose a plan that best fits your prescriptions and budget.

ACA & Private Health Insurance PlansWe assist individuals, families, and self-employed professionals with selecting health insurance through the Affordable Care Act (Marketplace) and private carriers. Whether you qualify for subsidies or need off-market plans, we help compare options, explain benefits, and ensure you meet enrollment deadlines. We’ll guide you through the process so you can confidently choose the right plan for your needs and budget. We assist individuals and families with choosing Affordable Care Act plans through the Health Insurance Marketplace — including subsidy eligibility and enrollment.

Ancillary ProductsAncillary products provide valuable extra protection that complements your primary health coverage. We offer options like Dental, Vision, Accident, Hospital Indemnity, and Critical Illness plans to help fill in the gaps. These plans can offer cash benefits or coverage for services not included in standard insurance, giving you greater peace of mind and financial security.

Final Expense & Life InsuranceFinal expense insurance is a type of life insurance designed to cover funeral costs, medical bills, and other end-of-life expenses. We also offer traditional life insurance options that provide broader financial protection for your loved ones. Whether you're looking for simple coverage or a more comprehensive policy, we help you choose a plan that fits your goals and budget.