Skiba Insurance Services, Inc., offers coverage for prescriptions, dental, optical, long term, short term and medical supplement insurance.

Health Insurance

Copay PlansSM are designed for individuals and families who want help managing their routine medical expenses plus outstanding coverage for major health care expenses.

High-Deductible and Basic PlansSM are designed for individuals and families willing to take additional responsibility for some health care expenses in exchange for lower premiums.

Medical Savings Account Plans help you take control of your health care expenses with a tax-favored savings account and quality medical coverage.

Medicare Advantage plans, including Parts A, B, C and D. Prescription plans included, available to senior citizens and disabled persons.

Long Term/Medicare Insurance

Long-term care insurance is a valuable tool to help you handle the cost of an unplanned lengthy illness. If you are like most people, you have been saving for the future and planning for your retirement, wanting to protect your assets to pass on to your heirs rather than have everything you've earned and saved go to a nursing home or care facility. Unfortunately, people sometimes overlook the need to protect against this. For many families, this topic seems overwhelming to discuss or understand.

Our annuities are an ideal way to protect your assets against the disastrous financial effects of long-term care without the cost of ongoing long-term care insurance premiums. Our annuities are designed to provide you the ability to protect your estate from many of the costs associated with a prolonged illness.

Our specially designed Deferred and Immediate annuities offer you the freedom to plan for your future needs, allowing you to take advantage of programs such as Medicaid, so that you are able to preserve your assets. Your dollars earn tax-deferred interest and accumulate until you need to create an income stream. You will then benefit by receiving monthly payments that may qualify you for benefits under federal laws that can help you avoid paying thousands of dollars for nursing home costs.

According to the Boston Globe, 60% of people who reach the age of 65 will spend time in a nursing home. The average stay is 2.5 years and costs over $40,000 per year and the cost is climbing. There are only three ways to pay for this care:

• Family assets
• Medicaid
• Long-term care insurance
• Few seniors can afford long-term care insurance. Those who can typically will pay these costs until most family assets are depleted and then they will apply for Medicaid. However, with proper planning, you can qualify for benefits before your assets are gone. Since three out of every five people statistically will spend time in a nursing home, planning for the long term is a must.

Short Term Insurance

• Between jobs or out of work
• Finished with school
• Retired early
• Waiting for other coverage
• A student no longer insured under your parents' insurance plan