Due to the continually rising cost of medical care, it has become more important than ever to have quality, affordable health insurance for you and your family. Individual health insurance programs are designed for individuals and families who cannot obtain health insurance through an employer. We offer health insurance which provides extensive coverage, as well as high-deductible programs which are designed to protect against catastrophic financial losses.

We can provide comparative quotes on health insurance from multiple insurance carriers so you can get the best possible rate. Request a quote today to see how much we can save you.

While standard Medicare offers coverage for a wide variety of services, you may find that a different plan through a separate insurance carrier better fits your needs. If you are interested in an alternative plan, we can help you find coverage through either Medigap or Medicare Advantage. Both of these plans offer additional support through third-party insurers, and they are required to provide equal or better coverage when compared to regular Medicare. If you believe that Medigap or Medicare Advantage are right for you, contact us today to discuss your insurance options.

Medicare encompasses several distinct parts:

• Medicare Part A covers facility-based care such as hospital visits, emergency room services, hospice, and nursing home care.
• Medicare Part B covers traditional outpatient treatments and services, including vaccinations, lab tests, mental health services, outpatient operations, durable medical equipment, and most other medical services not performed in a hospital.
• Medicare Part C (Medicare Advantage) covers elements of Parts A, B, and sometimes D.
• Medicare Part D covers prescription drugs.
• Medigap comes through private insurance companies and aims to fill in the “gaps” left by traditional Medicare coverage.

Disclaimer: This content has not been reviewed or endorsed by Medicare.gov or any member of the Centers for Medicare & Medicaid Services (CMS). We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. To get information on all of your options, please contact Medicare.gov or 1-800-MEDICARE. 

Dental and Vision Insurance is key to staying healthy! Regular dental exams can help detect serious underlying conditions such as heart disease and diabetes, while routine vision exams can help with early detection of eye disease. Dental and vision insurance is designed to provide you coverage and help you budget for all levels of care. Dental plans offer a variety of diagnostic, preventative care, and corrective services including cleanings, exams, X-rays, fillings, root canals, and orthodontia for children. Vision plans offer copays for routine eye exams and discounts on frames and lenses. We’re happy to talk and walk you through your options!

When you travel abroad, one of the most important financial considerations is how to protect the health of you and your family. Without proper coverage, an illness or injury abroad can turn into a financial disaster. Traditional sources of U.S. private health insurance will not meet your needs. Geographical exclusions and provider limitations common to these policies will restrict or even eliminate the coverage available to you while you are outside the U.S. At the same time, you may not be eligible for participation in the government-sponsored plans in the country where you reside. Whether you are a corporate traveler, a student studying abroad, a family on vacation, or an individual traveling overseas, don’t let your trip be ruined by an accident or unexpected medical emergency. With LD&B, you can find travel insurance that lets you relax and enjoy your experience abroad.