Brad Kadrie

Brad Kadrie

Agent

Phone: 651-330-1885
Fax: 651-784-5960
E-mail:
 

The health insurance landscape continues to change and it remains difficult trying to navigate through all the possibilities.  I am a trusted advisor and have helped many with their health insurance needs.  Individual health insurance is health coverage that you purchase for yourself or your family.   Whether you are self-employed, between jobs or work for a company that does not offer health insurance, individual health insurance enables you to make sure you and your loved ones are covered for those unforeseen medical expenses.  If you a considering a qualified health plan for 2018 please reach out to me.  I represent all Minnesota major health providers so I can give you choices and options to help you meet your specific needs.  As a certified MNsure Assistor I can also determine if you are eligible for Premium Tax Credits, a federal subsidy which can be applied to lower your monthly premium costs. 

Consumers hoping to enroll in a 2018 ACA qualified health plan may have much less time to sign up.  The Centers for Medicare and Medicaid Services (CMS) issued a proposed rule that would shorten the open enrollment period by 6 weeks.  If the rule becomes final, the OEP will run from November 1, 2017 to December 15, 2017.

For those approaching Medicare eligibility or already Medicare eligible, Medicare Part A and Part B cover basic hospital and medical needs but they will probably not cover all of the medical costs you have.  I am Medicare certified and can provide private health and prescription drug plans to reduce your out-of-pocket costs while providing additional services to help you lead a healthy life.  The Medicare open enrollment period for 2018 is October 15 to December 7, 2017.  I look forward to helping you with your Medicare supplement needs.

Life insurance can do some pretty amazing things for people.  It can help retain wealth and buy loved ones time to grieve.  It can pay off debts and loans, providing surviving family members with the chance to move on with a clean slate.  It can keep families in their homes and pre-fund a child’s college education.  It can keep a family business in the family.  It can provide a stream of income for a family to live on for a period of time.  Everyone likes a little security.  First things first, though: you need to own life insurance.