Life, Health, & Medicare Insurance Services
A Wide Range Of Services To Meet Your Unique Life Needs
Truevine Insurance Solutions is an independent insurance agency dedicated to going “above and beyond” to assist our clients with whatever insurance services they may need. We also aim to be 100% transparent about all insurance products and services.
We provide a wide range of services and products to meet your specific needs. We provide numerous options for your circumstances and help you to find the right insurance product or service for your needs and budget.
Further, as an independent agent, we offer services and products from dozens of top-rated insurance carriers. We aren’t tied to any one carrier and can shop around to find you the best prices and policies.
So many other insurance health, life, and Medicare insurance agents are “captive” agents – meaning they only work for one insurance carrier. Other agents also rely on a one-size-fits-all approach, offering you the exact same services as everyone they work with.
Truevine works with you to provide customized options that align with your unique needs. We become a partner that understands your circumstances rather than recommending the cookie-cutter option.
We focus on building lasting relationships, providing top-notch customer service, and delivering quality services that protect you and your loved ones.
Please take a look below to see the wide variety of life, health, and Medicare insurance services Truevine offers. Contact us today and let us know how we can best serve you!
Truevine's Insurance Services
As one of the top health & life insurance agents in Oklahoma, we offer a wide range of insurance products and services to meet your needs.
Individual Health Insurance
Discover the options you have for individual and family health insurance if you are not provided coverage through an employer, Medicare, or Medicaid. We can help you navigate the health insurance Marketplace, and find comprehensive health plan that covers all essential health benefits including free preventive services. We also look to see if you qualify for any premium savings which can many times result in $0 premium plans. You'll also find out if qualify cost share reductions which can substantially reduce (or even eliminate) deductibles, copays, maximum out-of-pocket limits.
Medicare Supplement Plans
Original Medicare Parts A and B do not cover all medical expenses and can end up leaving you in a financial bind. Most importantly, hospital visits have high deductibles and copays. And Part B services generally only cover 80% of the expenses, leaving you responsible for the other 20% of costs. Plus, with Original Medicare there is no limit on what you may pay in a given year. Medicare Supplement Plans, or "Medigap" Plans, help fill the financial holes in Original Medicare. And they limit your financial exposure. There are numerous Medicare Supplement Plans and insurance carriers to choose from. We will help you find the best plan and carrier for your budget and needs.
Dental Insurance
Your dental health is an extremely important part of your overall health. But do you need dental insurance? Or should you just pay out-of-pocket? There are a lot of factors to consider -- premiums, waiting periods, deductibles, copays, coverage limits, networks, and more. There are a lot of dental insurance plans to choose from, but we can help narrow down the choices to the very best ones. We want you to provide you with information to make a fully informed decision. Transparency is key. We' have researched the top plans available, but we can also provide you with some alternative ideas if you're on a tight budget. We'll go over the pros and cons of different types of plans and help you find a great plan for your budget.
Medicare Advantage Plans
Medicare Advantage Plans are an alternative way to get your Medicare Part A and Part B benefits. With these plans you'll get your benefits through a private insurance carrier. Advantage plans may reduce your costs and offer additional benefits such as dental benefits, gym memberships, over-the-counter allowances, and more. However, there are many little known pitfalls that exists with these plans that will help you navigate. We want to make sure your doctors, hospitals, and facilities are in-network, all your prescription drugs are covered, and you have low maximum out-of-pocket maximum.
Term Life Insurance
There are many types of life insurance, but term life insurance is our recommended choice for 90% of individuals. Term life guarantees a cash payment to your family if you die during a specified term. Terms can vary, but are commonly 10, 20, or 30 years. If your family depends on your income for everyday expenses, you absolutely need term life insurance. Term life insurance provides the protection to replace your income at the lowest cost. We'll help you find a policy that is right for you, and shop among dozens of A-rated carriers to find the best price. Please don't let an agent sell you anything other than term insurance without talking to us first.
Whole Life Insurance
Term life insurance is recommended for most individuals, but there are some circumstances where whole life insurance may make sense. While term life insurance only lasts a defined number of years, whole life insurance provides a permanent death benefit that is guaranteed to be paid out at your death. In addition, whole life insurance contains a savings component where you accumulate a cash value. The savings component accumulates interest on a tax-deferred basis. There are many different types of whole insurance policies to choose from including indexed whole life, variable whole life, universal life, and more. We can help you determine what type of policy may be a good fit for you and your family.
Disability Insurance
A recent study has predicted that over 25% of today's 20-year-olds will become disabled at some point before reaching the age of 65. Disability is one of the most overlooked parts of financial planning, but crucially important to look at. If you are unable to work either permanently or a period of time, how would you pay for general living expenses? This is why disability insurance is so important. We can help you assess your needs for both short-term and long-term disability insurance. And help you understand whether disability insurance is something you should purchase.
Small Group Health Plans
If you are a small business owner with less than 50 employees, you will not be penalized if you don't provide health insurance to your employees. However, health insurance is the most highly sought-after employee benefits, and many small businesses need to offer health insurance to stay competitive in the job marketplace. Providing health insurances helps businesses attract and retain high-level employees. We can discuss the health insurance coverage options you have for your small business, and help you find coverage that is optimal for both you and your employees. We'll also help you understand all the complexities inherit in understanding the plans.
Part D Drug Plans
Original Medicare does not include prescription drug coverage; therefore, Congress added an additional component to Medicare called Medicare Part D. Medicare Part D helps pay for the cost of prescription drugs and vaccines. These plans are not mandatory, but you will likely incur a late-enrollment penalty if you don't have creditable prescription drug coverage and want to enroll in a Part D plan at a later date. Part D Drug plans are highly recommended for individuals with Original Medicare; however, Part D Plans may be included as part of your "bundled" coverage if you opted for a Medicare Advantage Plan. There are numerous considerations in choosing a Drug Plan and we're happy to help you find the best plan for your needs.
Insurance Services FAQs
The insurance carriers we work with may change from time to time, but we currently have access to over 30 top-rated insurance carriers. Some of the companies we work with include Aetna, AIG (now Corebridge), Ambetter, Ameritas, Blue Cross Blue Shield, Cigna, Friday Heatlth, Humana, Manhattan Life, Mutual of Omaha, Oscar, UnitedHealthcare, and Wellcare.
There is NO direct cost to work with us. And our consultations are 100% free. If you enroll in an insurance plan through us, we will get paid a commission. However, please note that prices (premiums) you pay for your insurance will NOT be any more than if you were to go to the insurance carrier directly. Plus, we can help you with customer assistance and assist you with shopping alternative carriers.
We serve every town, city, and county in the state of Oklahoma. Our owner is also licensed to provide insurance services in the state of Texas.
While we are more than happy to meet in-person, it is no longer necessary. Technology has made easy and secure to enroll in an insurance policy over the phone or online. We are happy to serve over the phone and via Zoom webcam, if you have that capability. All phone and virtual communications are safe and secure.
Speak With A Knowledgeable Agent
Get in touch with us today for a personalized quote or consultation – simply call, text, or send us a message.