With more than 25 years of experience, Agent Gayle Cushinberry provides personal one-on-one service to help simplify the sometimes complicated process of selecting a Medicare insurance plan.
Based on your unique healthcare needs and budget, an Advantage Plan may be a a Medicare solution that covers more of your out-of-pocket costs.
Fill in the major gaps of your original Medicare insurance (Parts A & B) with an affordable Medicare Supplment Plan to offset your out-of-pocket costs.
Gayle Cushinberry can help you take the worry out of selecting the wrong Medicare Prescription drug plan which can be costly and hard to change at a later date.
Traditional individual health policies offered by top carriers, both on/off the Marketplace and/or with qualifying subsidy tax credit.
Health insurance for times of transition up to 90 days. Plans exclude pre-existing conditions, have low premiums/copays and no networks.
Dental and Vision Plans help promote your overall health by providing a variety of diagnostic, preventative care and corrective services.
In the event of an untimely death, life Insurance helps pay your final expenses, mortgage, taxes, and provides living expenses for your loved ones.
30+
Having worked for large, national insurance carriers and brokerage agencies, Gayle is familiar with all aspects of the industry, affording her a 360 degree advantage when matching clients with the best insurance products for their unique needs.
25+
Over the past 30 years, Gayle has built strong relationships with multiple national carriers, affording her more options for each client’s unique needs, and allowing her to be completely unbiased in negotiating the best rates and services for clients.
500+
Gayle attributes her great success to her commitment to providing prompt, personal one-on-one service, and her willingness to take the time to thoroughly understand each’s client’s unique needs, now and as those needs may change over time.
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Unlike other competitors who may sell many, many different lines of insurance, Gayle focuses strictly on Medicare Insurance, in addition to Individual & Family Health, ensuring clients receive the best advice and guidance when seeking health coverage.
755 S. Main Street, Suite 4-152
Cedar City, Utah 84720
Phone: Toll Free: 800.781.9381
Direct: 435.669.6566
Fax: 888.974.1292
Email: Gayle@cushinberryhealthinsurance.com
Medicare Advantage Plans are offered by private carriers and replace your original Medicare Parts A and B, as they are rolled into one single health plan.
Much like regular insurance, you can select different plan types, such as a Health Maintenance Organization (HMO), or a Preferred Provider Organization (PPO), or a Medicare Medical Savings Account Plan. Premiums will vary, based on coverage, carrier and geographical location.
Call 435.669.6566 or fill out the form below to request a FREE assessment of available Medicare health plans.
Medicare Supplement Insurance policies complement your Original Medicare Parts A and B. They cover some, if not all, of the expenses that Part A and B do not cover, like co-pays, deductibles and other charges.
There are many different types of Medicare Supplement policies available, yet they are regulated so the benefits for these various policies (known as Plan A through N), are all the same regardless of the carrier. However, premiums can vary greatly among carriers.
Ultimately, the best Supplement Plan is one that is purchased from a quality carrier, has a low premium and leaves you with the least or no out of pocket expenses.
Call 435.669.6566 or fill out the form below to request a FREE assessment of available Medicare health plans.
Medicare Part D adds prescription drug coverage to Original Medicare and is offered through private insurance companies that are contracted and approved by Medicare.
Premiums can vary greatly between the numerous options and carriers, therefore it’s necessary to carefully weigh your prescription costs against all variables of these plans. Selecting the wrong plan can wind up costing you thousands.
Medicare Advantage Plans may also offer prescription drug coverage that follows the same rules as Medicare Prescription Drug Plans.
Call 435.669.6566 or fill out the form below to request a FREE assessment of available Medicare health plans.
Following are typical health plan options we offer from top carriers:
An HMO health plan (Health Maintenance Organization) generally offers low premiums, but requires you to appoint a primary care physician and use doctors and facilities that are affiliated with the HMO.
A PPO health plan (Preferred Provider Organization) will save you money on services if you use the preferred providers within the network. While deductibles must be met before the plan pays for services, you can use a certain amount of services annually outside of the deductible with a small co-pay.
Call 435.669.6566 or fill out the form below to request a FREE assessment of available health plans.
Temporary or Short Term Medical Plans are health plans designed for times of transition and help to bridge gaps in coverage for individuals and families. Short term plans are generally less expensive than traditional health insurance, but they do not provide full coverage and they typically do not cover pre-existing conditions. Based on your needs, you can select the length of time (1 to 3 months as required by federal regulations) and from a range of available deductible amounts.
Additionally, short-term health insurance plans do not contain the essential benefits required by the Affordable Care Act (ACA).
Call 435.669.6566 or fill out the form below to request a FREE assessment of available short-term health plans.
Individual dental plans are inexpensive and can contribute greatly in promoting overall good health. Studies have shown that regular dental exams can optimize oral health to prevent cavities and bad breath. In addition, they help to detect serious medical conditions such as heart disease and diabetes. Some studies have even shown that people who have dental insurance suffer less from depression.
Dental plans can range from a PPO or HMO to Pre-Paid, Fee-for-Service, and Discount on a variety of diagnostic and preventative care services including cleanings, exams, x-rays, fillings, orthodontia for children, and emergency care while traveling.
Take care of your eyes with an individual vision plan that can be purchased separately or combined with your major medical insurance. Individual vision plans are similar to individual dental policies, as they are inexpensive and save you money on routine eye care, such as exams, eyeglass frames and lenses, contacts, and even offer big discounts on procedures like LASIK. Additionally, monitoring your eye health with regular exams helps to prevent serious eye diseases like glaucoma and cataracts, and also helps to detect early stages of diabetes, high blood pressure, and high cholesterol.
Call 435.669.6566 or fill out the form below to request a FREE assessment of available dental & vision plans.
When you pass, Term Life Insurance will help pay for your final expenses, your mortgage, your taxes, and the living expenses of your loved ones when they no longer have your income. Depending on how much insurance you buy, you can even help pay for your children’s college education.
Term Life Insurance covers you for a set period of time provided you pay the monthly premium, or in some instances, a lump sum in advance. The policy will pay to the named beneficiary the face amount of the policy (set benefit and/or lump sum) upon death of the insured within the stated term. Depending on the policy, it may also make payments upon terminal or critical illness.
In addition to paying a death benefit, this type of life insurance policy helps you save for the future by building a cash value that has many benefits to the insured, such as borrowing against the policy or building a tax deferred investment income. Whole life, variable life and universal life are all types of cash value life insurance. Cash value insurance is also known as permanent life insurance because it provides coverage for the policyholder’s entire life.
Call 435.669.6566 or fill out the form below to request a FREE assessment of available life insurance plans.