Explore Our Services
Chris J. Todd & Associates offers services, which include Medicare, individual health insurance, term life insurance, small group, short-term healthcare, dental, and also medical cost-sharing ministry plans. “Our objective is not to sell a product. Our objective is to place the correct product based on circumstances and availability.
Medicare
Medicare is the federal government program that provides health care coverage if you are 65+, under 65 and receiving Social Security Disability Insurance for a certain amount of time, or under 65 and with End-Stage Renal Disease.
Get Help Finding the Right Medicare Plan for You
If you are trying to find the best Medicare health plan option, Chris J. Todd & Associates can help find the solution. We assist people in making educated and empowered choices about their Medicare health plan options. We have been providing insurance solutions for over 25 years. We connect our clients with a suitable provider and value that fits their budget.
The Four Parts of Medicare
There are four parts to medicare.
- Part A - Hospital Insurance (Inpatient Hospital Care & Hospice)
- Part B - Medical Insurance (Doctor Visits & Preventive Care)
- Part C - Medicare Advantage (Private Insurance Company Coverage, approved by Medicare)
- Part D - Prescription Drug Coverage
While deciding on which medicare plan to choose, there are specific questions that every client needs to answer.
Relevant Questions Before You Choose Medicare
- Are you trying to decide about your Medicare health plan option?
- Do you need a Medicare Supplement or a Medicare Advantage plan?
- What is Medicare Part D?
- Do you need Medicare Part B, if you're covered by an employer's group plan?
- To get a Medicare plan, either an Advantage or Supplemental plan, you must have Medicare Part A and Part B.
About Parts & Respective Plans
- If you're age 65 and receive Social Security retirement income benefits, you're usually automatically enrolled for Part A and Part B.
- Medicare supplement plans (or Medigap plans) may offer benefits in addition to the benefits provided by traditional Medicare Parts A and B.
- There are different types of Medicare supplement plans which cover the Medicare deductibles or require you to cover the deductibles.
- Medicare supplement plans and Medicare Advantage plans are not complementary, so you and our skilled agent need to understand which type of policy makes the most sense for you.
Enrolling in a Medicare Supplement Plan is easy!
Call us at (678) 428-1682, click to get an instant quote, or fill out our contact form to get a free Medicare Supplement quote and consultation.
Small Group
Providing health insurance as a small business is a great way to hire and retain excellent employees. The Affordable Care Act currently requires small businesses to offer health insurance, if they have 50 or more full-time workers. If certain small businesses fail to provide health insurance to employees, they may be subject to fines.
Term Life Insurance
Provides affordable coverage for a specific period of time. Payment amounts don't change for the guaranteed premium period.
Typically, proceeds from a term life insurance policy may be used to cover needs like:
- Pay off the mortgage on your home
- Provide an emergency fund
- Help provide for a child's education fund
- Pay off personal debts
Short-Term Healthcare
Short Term health insurance, sometimes called Term health insurance or Temporary health insurance, is designed to help bridge gaps in your health care coverage during times of transition. In general, a Short-Term health insurance premium is significantly less than that of an ACA plan. Since a Short-Term insurance plan isn’t required to include the 10 essential health benefits defined in the ACA, you can choose a less expensive plan that offers less coverage. An ACA plan covers preexisting conditions, but with a Short-Term plan, you should expect to pay the costs related to preexisting conditions without coverage.
Dental Insurance
Dental coverage is something else you don’t want to have holes in, but the truth is, many of us do. For a large portion of Americans, not having dental insurance is that hole. As of 2017, over 20% of people in the United States were not covered by a dental plan of some kind. Most medical insurance plans don’t cover even routine dental care.
Dental insurance is coverage for common dental care services ranging from preventive care like routine cleanings to more major services like root canals. At its best, it can help you not only budget for those dental services but also maintain a good dental care routine.
Medical Cost Sharing
Chris J. Todd & Associates, through an innovative layering of healthcare services, enables individuals and families to access high-quality healthcare that is flexible, affordable, and effective. These plans are offered by Health Sharing Ministries.
What are Healthcare Sharing Ministry Programs?
Healthcare Sharing Ministry programs are offered by organizations called Healthcare Sharing Ministries. Healthcare Sharing Ministries facilitate the sharing of medical expenses among groups of individuals and families who have united to share each other's medical bills in accordance with the biblical principle that believers have a responsibility to assist in meeting each other's needs (Gal 6:2) and that they share their possessions (Acts 4:32).
Healthcare Sharing Ministries (HCSM's) are not Insurance and, because of that, are exempt from the Affordable Care Act (Obamacare). As of February 2019, over 1 million Americans currently participate in a Healthcare Sharing program and share more than $670 million in medical bills each year. Most HCSM's have lifestyle restrictions such as drinking to excess, using tobacco products, taking illegal drugs, etc. and its members must agree to a statement of beliefs and lead a healthy lifestyle.
How Long Have Healthcare Sharing Programs Been Around?
Healthcare Sharing programs have been around for decades, and billions of dollars of healthcare needs have been shared by fellow members. Although Healthcare Sharing Programs are not considered to be traditional health insurance, they are great alternatives to Obamacare and are exempt from the ObamaCare law.
One of the most popular differences between Obamacare and Healthcare Sharing programs is that Healthcare Sharing programs offer open enrollment to new members all year long. OneShare Health welcomes new members who can honor a Statement of Beliefs, by which the program operates.
Is a Healthcare Sharing Program Right for Me?
With the constant rising costs of health insurance premiums and the seeming decreases in medical coverage, people can find themselves desperately looking for a feasible alternative. Wouldn’t it be wonderful if a great healthcare program with an affordable monthly cost was available? A Healthcare Sharing program from OneShare Health may be just the answer you're looking for.
With affordable options tailored to fit your individual needs and designed to give you the freedom to choose your own doctor, these programs have become popular alternatives to traditional health insurance. If you missed out on Obamacare open enrollment this year and you don't want a Short Term Medical or Fixed Benefit plan, don't worry, call today to see why so many others have switched to a Healthcare Sharing program!
Which Healthcare Sharing Program Should I Choose?
That depends on how much protection you need. There are three levels to choose from; Catastrophic, Classic, and Complete, with Complete having the highest level of provisions.
Each program is designed to fit within your budget and meet your individual healthcare needs. This way, you can choose the program with just the right amount of provision and only pay for what you need.