Thomas Marchant - Insurance Agent
Insurance AgencyInsurance BrokersLife Insurance
Hours
Mon 9:00 AM to 5:00 PM
Tue 9:00 AM to 5:00 PM
Wed 9:00 AM to 5:00 PM
Thu 9:00 AM to 5:00 PM
Fri 9:00 AM to 5:00 PM
Sat 9:00 AM to 5:00 PM
Sun Closed
By Appointment only
About Thomas Marchant - Insurance Agent
I provide help with Medicare Advantage, Medigap, Prescription Drug Plans, and Medicare Medical Savings Accounts. Dental and Hospital Indemnity
Specializing in Medicare insurance plans. I would love to be your personal, dedicated advisor that you can rely on – respectful, courteous, and patient. We represent more Medicare Advantage plans than anyone else in Hawaii, which allows us to truly provide unbiased Medicare advice.
Wi-Fi Hotspot
Commitment to Green
Senior Friendly
Veteran-Owned
Areas Served
We serve all of the USA, no matter where you live, I am just a phone call away.
Services
Medicare Advantage Plans
Medicare Advantage Plans offer comprehensive healthcare coverage for seniors, providing a wide range of benefits beyond Original Medicare. With these plans, individuals can enjoy access to affordable healthcare services, including hospital stays, doctor visits, prescription drug coverage, and more. We prioritize convenience and flexibility, ensuring members receive the care they need without breaking the bank. From preventive care to specialized treatments, Medicare Advantage Plans are designed to meet the diverse needs of older adults, promoting health and well-being throughout their golden years.
Key Features:
Enhanced Coverage: Plans offer coverage beyond Original Medicare, including dental, vision, hearing, and wellness programs.
Prescription Drug Coverage: Enjoy affordable access to a wide range of prescription medications through a comprehensive drug formulary.
Provider Network: Access to a vast network of doctors, specialists, and healthcare facilities, ensuring quality care close to home.
Preventive Care: Receive preventive services like screenings, vaccinations, and wellness exams to stay ahead of potential health issues.
Cost Savings: Benefit from cost-saving features such as low monthly premiums, copayments, and maximum out-of-pocket limits.
Medicare Supplement (Medigap) Insurance
Medicare Supplement (Medigap) Insurance fills the gaps in Original Medicare coverage, offering peace of mind and financial security for seniors. With our plans, individuals can enjoy comprehensive healthcare coverage without worrying about unexpected out-of-pocket costs.
Key Features:
Comprehensive Coverage: Medigap plans help cover costs such as copayments, coinsurance, and deductibles not covered by Original Medicare.
Freedom of Choice: Enjoy the flexibility to choose any doctor or healthcare provider who accepts Medicare patients.
No Network Restrictions: With Medigap, there are no provider networks, allowing members to access healthcare services nationwide.
Guaranteed Renewable: Once enrolled, your coverage cannot be canceled as long as premiums are paid on time.
Standardized Plans: Medigap plans are standardized across different insurance companies, making it easy to compare coverage options.
Hassle-Free Claims: Claims are processed automatically, eliminating the need for paperwork and reducing administrative burden.
Additional Benefits: Some Medigap plans may offer additional benefits such as coverage for foreign travel emergencies.
With Medigap Insurance, seniors can supplement their Medicare coverage and enjoy greater financial protection against healthcare expenses, ensuring they receive the care they need without breaking the bank.
Health Insurance Marketplace (ACA) plans
Health Insurance Marketplace plans, under the Affordable Care Act (ACA), offer affordable and comprehensive healthcare coverage for individuals and families. With a wide range of plans available, individuals can find coverage that fits their budget and healthcare needs.
Key Features:
Subsidized Premiums: Eligible individuals may qualify for premium tax credits, reducing the cost of monthly insurance premiums.
Essential Health Benefits: Marketplace plans cover essential health benefits, including preventive care, prescription drugs, maternity care, and mental health services.
Choice of Plans: Choose from different levels of coverage (bronze, silver, gold, platinum) with varying deductibles, copayments, and out-of-pocket costs.
Guaranteed Coverage: Marketplace plans cannot deny coverage based on pre-existing conditions, ensuring access to healthcare for all.
Open Enrollment Period: Enroll in a Marketplace plan during the annual open enrollment period or qualify for special enrollment periods due to life events like marriage, childbirth, or loss of other coverage.
Medicaid Expansion: In states that expanded Medicaid under the ACA, individuals with low income may qualify for Medicaid coverage through the Marketplace.
Consumer Protections: Marketplace plans adhere to ACA regulations, including limits on out-of-pocket costs and coverage for preventive services with no cost-sharing.
With Health Insurance Marketplace plans, individuals can access quality healthcare coverage at affordable prices, providing peace of mind and financial security for themselves and their families.
Health Insurance
Health Insurance provides financial protection against medical expenses by covering a portion of healthcare costs for individuals and families. With various plans available, individuals can select coverage tailored to their needs and budget.
Key Features:
Comprehensive Coverage: Health insurance typically covers a range of medical services, including hospital stays, doctor visits, prescription drugs, and preventive care.
Network Access: Plans may offer access to a network of healthcare providers, allowing members to receive discounted rates for in-network services.
Cost-Sharing: Members may be responsible for copayments, deductibles, and coinsurance, with the insurance company covering the remaining costs.
Customizable Options: Choose from different plan types, such as HMOs, PPOs, or high-deductible plans, to align with individual preferences and financial situations.
Preventive Services: Many health insurance plans cover preventive services at no additional cost, promoting early detection and disease prevention.
Financial Protection: Health insurance helps protect against high medical expenses, providing peace of mind and security for unexpected healthcare needs.
Enrollment Options: Individuals can enroll in health insurance plans through employers, government marketplaces, or private insurance companies, depending on eligibility and preferences.
With health insurance, individuals can access essential healthcare services while mitigating the financial burden of medical expenses, ensuring they receive the care they need to maintain their health and well-being.
Dental Insurance
Dental Insurance offers coverage for a range of dental services, helping individuals and families maintain oral health while managing costs effectively.
Key Features:
Comprehensive Coverage: Dental insurance typically covers preventive care, such as cleanings and exams, as well as restorative procedures like fillings, root canals, and crowns.
Network Access: Plans may include access to a network of dentists and specialists, allowing members to benefit from discounted rates for in-network services.
Cost-Sharing: Members may be responsible for copayments or coinsurance for covered services, with the insurance company covering the remaining costs up to plan limits.
Coverage Levels: Plans may offer different levels of coverage for various services, such as basic, major, and orthodontic care, allowing individuals to choose the level of coverage that best suits their needs.
Preventive Care Emphasis: Many dental insurance plans prioritize preventive care, covering routine cleanings, exams, and X-rays to help prevent dental problems and maintain oral health.
Additional Benefits: Some dental insurance plans may include benefits such as coverage for orthodontic treatment, dental implants, or discounts on cosmetic procedures.
Affordable Options: Dental insurance plans come in various price ranges, making it accessible for individuals and families to find coverage that fits their budget and dental care needs.
With dental insurance, individuals can access essential dental care services and treatments while minimizing out-of-pocket expenses, ensuring they can maintain a healthy smile without financial stress.
Vision Insurance
Vision Insurance provides coverage for eye care services and products, ensuring individuals and families can maintain good vision health while managing costs efficiently.
Key Features:
Comprehensive Coverage: Vision insurance typically covers routine eye exams, prescription eyewear (glasses and contact lenses), and discounts on corrective procedures like LASIK surgery.
Network Access: Plans often include access to a network of optometrists, ophthalmologists, and optical retailers, offering discounted rates for in-network services and products.
Cost-Sharing: Members may be responsible for copayments or coinsurance for covered services, with the insurance company covering the remaining costs up to plan limits.
Coverage Flexibility: Plans may offer flexibility in coverage options, allowing individuals to choose from various levels of coverage for exams, eyewear, and additional services.
Preventive Care Focus: Vision insurance emphasizes preventive eye care, covering routine exams to detect and address vision problems early, helping to maintain optimal eye health.
Additional Benefits: Some vision insurance plans may include benefits such as discounts on sunglasses, specialty lenses, or accessories, enhancing overall eye care affordability.
Affordability: Vision insurance plans come at different price points, making it accessible for individuals and families to find coverage that aligns with their budget and vision care needs.
With vision insurance, individuals can access essential eye care services and products while minimizing out-of-pocket expenses, ensuring they can maintain clear vision and overall eye health without financial strain.
Group Insurance plans
Group Insurance plans offer comprehensive coverage for employees and their families, provided by an employer or organization, ensuring access to essential healthcare services and financial protection.
Key Features:
Comprehensive Coverage: Group insurance plans typically cover medical, dental, vision, and sometimes other benefits like life insurance and disability coverage.
Employer Contributions: Employers often contribute towards the cost of premiums, making group insurance plans more affordable for employees and their dependents.
Group Rates: Group insurance plans leverage economies of scale, allowing for lower premiums compared to individual plans, resulting in cost savings for employees.
Enrollment Convenience: Employees can conveniently enroll in group insurance plans during open enrollment periods or upon joining the organization, often with simplified enrollment processes.
Range of Options: Group insurance plans may offer a range of coverage options, allowing employees to select plans that best suit their needs and preferences.
Tax Benefits: Contributions made by employers towards group insurance premiums may be tax-deductible, providing additional financial incentives for organizations.
Coverage Continuity: Group insurance plans often allow for continuation of coverage through COBRA or similar provisions, ensuring continuity of coverage for employees during transitions.
With group insurance plans, employers can offer valuable benefits to attract and retain talent, while employees and their families can access comprehensive healthcare coverage and financial protection through their workplace.
Disability Insurance
Disability Insurance provides financial protection by replacing a portion of income if an individual becomes unable to work due to illness or injury, ensuring financial stability during challenging times.
Key Features:
Income Replacement: Disability insurance replaces a percentage of the insured individual's income if they are unable to work due to a covered disability, helping to cover living expenses.
Coverage Duration: Disability insurance policies specify the length of time benefits will be paid, ranging from short-term disability (typically up to one year) to long-term disability (potentially until retirement age).
Disability Definition: Policies define disability based on either own-occupation (unable to perform duties of current occupation) or any-occupation (unable to perform any gainful occupation), affecting eligibility for benefits.
Premiums and Benefits: Premiums are based on factors such as age, occupation, health status, and desired coverage amount, with benefits typically ranging from 50% to 70% of pre-disability income.
Waiting Period: Policies have a waiting period (elimination period) before benefits begin, during which time the insured must be disabled. Shorter waiting periods result in higher premiums.
Supplemental Coverage: Some policies offer additional riders or options to enhance coverage, such as cost-of-living adjustments, partial disability benefits, or rehabilitation benefits.
Tax Treatment: Benefits received from disability insurance may be taxable or tax-free, depending on whether premiums were paid with pre-tax or after-tax dollars.
With disability insurance, individuals can protect their income and financial security in the event of a disability, ensuring they can meet financial obligations and maintain their standard of living while unable to work.
Accident Insurance
Accident Insurance provides financial protection by offering lump-sum cash benefits for covered injuries resulting from accidents, helping individuals manage medical expenses and other costs associated with accidental injuries.
Key Features:
Lump-Sum Benefits: Accident insurance pays out a lump sum in the event of covered injuries from accidents, providing financial assistance for medical bills, transportation, and other expenses.
Coverage Types: Policies may cover a wide range of accidents, including slips and falls, sports injuries, automobile accidents, and more, depending on the specific policy terms.
No Health Questions: Accident insurance typically does not require medical underwriting or health questions, making it accessible to individuals regardless of their health status.
Flexible Use of Benefits: Policyholders can use the cash benefits however they choose, whether for medical expenses, household bills, or other financial needs arising from the accident.
Supplemental Coverage: Accident insurance can supplement existing health insurance coverage by providing additional financial support for out-of-pocket expenses and non-medical costs.
Coverage for All Ages: Accident insurance policies are available for individuals of all ages, providing peace of mind and financial protection for both adults and children.
Affordable Premiums: Accident insurance premiums are often affordable, making it a cost-effective way to protect against the financial impact of unexpected accidents.
With accident insurance, individuals can have peace of mind knowing they have financial protection in place to help cover expenses in the event of an accidental injury, allowing them to focus on recovery without worrying about the financial burden.
Critical Illness Insurance
Critical Illness Insurance provides financial protection by offering a lump-sum payment upon diagnosis of a covered critical illness, helping individuals manage medical expenses and other costs during difficult times.
Key Features:
Lump-Sum Benefit: Critical Illness Insurance pays out a lump sum upon diagnosis of a covered critical illness, providing financial support to cover medical bills, living expenses, and other financial obligations.
Covered Illnesses: Policies typically cover major illnesses such as cancer, heart attack, stroke, organ failure, and other serious conditions specified in the policy.
No Restrictions on Use: Policyholders can use the lump-sum benefit as they see fit, whether for medical treatments not covered by health insurance, household bills, or other financial needs.
Survivorship Benefits: Some policies offer survivorship benefits, paying out a portion of the benefit amount upon the death of the insured if the critical illness benefit has not been claimed.
Renewable Coverage: Critical Illness Insurance policies are often renewable, allowing individuals to maintain coverage over time and ensuring continued protection against the financial impact of critical illnesses.
Optional Riders: Policyholders may have the option to add riders for additional coverage, such as coverage for additional illnesses or coverage for children.
Peace of Mind: Critical Illness Insurance provides peace of mind, knowing that financial support is available to help cover expenses during a challenging time of illness and recovery.
With Critical Illness Insurance, individuals can have financial security and peace of mind knowing they have protection against the high costs associated with serious illnesses, allowing them to focus on recovery without worrying about financial strain.
Cancer Insurance
Cancer Insurance provides financial protection by offering specific benefits upon diagnosis of cancer, helping individuals manage medical expenses and other costs associated with treatment and recovery.
Key Features:
Cancer-Specific Benefits: Cancer insurance pays out specific benefits upon diagnosis of cancer, including lump-sum payments or coverage for specific treatments, surgeries, and other related expenses.
Coverage for Various Stages: Policies may cover different stages of cancer, including early-stage diagnosis, advanced-stage treatment, and ongoing care, depending on the specific policy terms.
No Health Questions: Cancer insurance typically does not require medical underwriting or health questions, making it accessible to individuals regardless of their health status.
Flexible Use of Benefits: Policyholders can use the benefits however they choose, whether for medical treatments not covered by health insurance, household bills, transportation costs, or other financial needs.
Supplemental Coverage: Cancer insurance can supplement existing health insurance coverage by providing additional financial support for out-of-pocket expenses and non-medical costs related to cancer treatment.
Affordable Premiums: Cancer insurance premiums are often affordable, making it a cost-effective way to protect against the financial impact of a cancer diagnosis.
Peace of Mind: Cancer insurance provides peace of mind knowing that financial support is available to help cover expenses during cancer treatment and recovery, allowing individuals to focus on their health without worrying about financial strain.
Life Insurance
Life Insurance provides financial protection for loved ones in the event of the policyholder's death, offering a lump-sum payment (death benefit) to beneficiaries to help cover living expenses, debts, and other financial obligations.
Key Features:
Death Benefit: Life insurance pays out a lump sum to beneficiaries upon the death of the insured, providing financial support to cover immediate expenses and long-term financial needs.
Coverage Options: Policies come in various types, including term life, whole life, and universal life insurance, offering flexibility in coverage duration and premium payments.
Affordable Premiums: Life insurance premiums are often affordable, especially for younger individuals, making it accessible for individuals and families to obtain coverage.
Beneficiary Designation: Policyholders can designate beneficiaries to receive the death benefit, ensuring the funds go to the intended recipients to provide financial security and support.
Cash Value Accumulation: Some types of life insurance, such as whole life and universal life, accumulate cash value over time, which can be accessed or borrowed against during the insured's lifetime.
Tax Benefits: Death benefits from life insurance policies are typically tax-free to beneficiaries, providing additional financial advantages.
Peace of Mind: Life insurance offers peace of mind knowing that loved ones will be financially protected and supported in the event of the policyholder's death, allowing families to focus on grieving and healing without worrying about financial strain.
Long Term Care Insurance
Long Term Care Insurance provides coverage for expenses associated with long-term care services, such as nursing home care, assisted living facilities, and in-home care, helping individuals protect their assets and maintain financial security during periods of extended care needs.
Key Features:
Coverage for Long-Term Care: Long Term Care Insurance covers expenses related to long-term care services, including assistance with activities of daily living (ADLs) such as bathing, dressing, and eating.
Range of Services: Policies may cover a variety of long-term care services, including nursing home care, assisted living facilities, home healthcare, and adult day care, depending on the specific policy terms.
Benefit Period: Policies specify the duration of coverage, ranging from a few years to a lifetime, ensuring individuals have access to care for as long as needed.
Elimination Period: Policies have an elimination period (waiting period) before benefits begin, during which time the insured must require long-term care services.
Premiums and Benefits: Premiums are based on factors such as age, health status, coverage amount, and desired benefit period, with benefits typically paid as a daily or monthly benefit amount.
Inflation Protection: Some policies offer inflation protection options to help ensure benefits keep pace with rising long-term care costs over time.
Asset Protection: Long Term Care Insurance helps protect assets and retirement savings from being depleted by the high costs of long-term care, providing financial security and peace of mind for individuals and their families.
Hospital Indemnity Insurance
Hospital Indemnity Insurance provides financial protection by offering a fixed cash benefit for covered hospital stays, helping individuals manage out-of-pocket expenses and other costs associated with hospitalization.
Key Features:
Fixed Cash Benefit: Hospital Indemnity Insurance pays out a predetermined amount for each day or occurrence of covered hospitalization, regardless of actual medical expenses incurred.
Coverage for Various Hospital Services: Policies may cover hospital stays, intensive care unit (ICU) stays, surgeries, ambulance services, and other related expenses, depending on the specific policy terms.
No Network Restrictions: Policyholders can receive benefits regardless of whether the hospital is in-network or out-of-network, providing flexibility in choosing healthcare providers.
Flexible Use of Benefits: Policyholders can use the cash benefits however they choose, whether for medical bills not covered by health insurance, transportation costs, childcare expenses, or other financial needs.
Supplemental Coverage: Hospital Indemnity Insurance can supplement existing health insurance coverage by providing additional financial support for out-of-pocket expenses and non-medical costs related to hospitalization.
Affordable Premiums: Premiums for Hospital Indemnity Insurance are often affordable, making it a cost-effective way to protect against the financial impact of hospital stays.
Peace of Mind: Hospital Indemnity Insurance provides peace of mind knowing that financial support is available to help cover expenses during hospitalization, allowing individuals to focus on their health without worrying about financial strain.
Fixed and Indexed Annuities
Fixed and Indexed Annuities offer financial security and income stability for retirement, providing guaranteed or market-linked returns on invested funds over a specified period.
Key Features:
Guaranteed Returns: Fixed Annuities offer a guaranteed interest rate on invested funds, providing stable returns over time, while Indexed Annuities offer returns tied to the performance of an underlying index, providing potential for higher returns.
Principal Protection: Both Fixed and Indexed Annuities offer principal protection, ensuring that invested funds are protected from market volatility and losses.
Tax-Deferred Growth: Earnings on invested funds grow tax-deferred until withdrawn, allowing for potential accumulation of wealth over time.
Lifetime Income: Annuities offer the option to convert accumulated funds into a stream of income payments, providing a reliable source of income for retirement.
Flexibility: Annuities may offer flexibility in terms of withdrawal options, allowing for periodic withdrawals, lump-sum withdrawals, or annuitization for guaranteed income.
Death Benefit: Annuities typically offer a death benefit, ensuring that beneficiaries receive a portion of the remaining funds upon the annuitant's death.
Suitability: Fixed and Indexed Annuities may be suitable for individuals seeking stable returns, principal protection, and guaranteed income in retirement, offering peace of mind and financial security for the future.
Religious Health Care Sharing Ministry Plans
Religious Health Care Sharing Ministry Plans offer a community-based approach to healthcare cost-sharing, where members contribute funds to help cover each other's medical expenses based on religious beliefs and values.
Key Features:
Cost-Sharing Community: Members of religious health care sharing ministry plans pool their resources to help cover each other's eligible medical expenses, fostering a sense of community and mutual support.
Exemption from ACA Mandates: These plans are exempt from certain Affordable Care Act (ACA) mandates, including the individual mandate and requirements for essential health benefits, making them an alternative for individuals seeking religious or ideological-based healthcare coverage.
Eligibility Criteria: Members typically adhere to certain religious or ethical beliefs and may be required to meet specific eligibility criteria set by the organization, such as abstaining from tobacco and alcohol use.
Contribution Structure: Members contribute monthly or annual "shares" instead of traditional insurance premiums, which are then used to reimburse eligible medical expenses for other members.
Coverage Limitations: Religious health care sharing ministry plans may have limitations on coverage for pre-existing conditions, certain medical treatments, and non-traditional healthcare services.
Exemption from Tax Penalties: Members of these plans may be exempt from tax penalties associated with not having traditional health insurance coverage, as long as the plan meets certain criteria.
Shared Values: Religious health care sharing ministry plans often promote values of faith, community, and personal responsibility, providing members with a healthcare solution aligned with their beliefs and values.
Medicare Advantage Plans, Medigap Plans, Prescription Drug Plans, Hospital Indemnity Plans, Home Health Care Insurance, Long-Term Care Insurance
FAQ
We serve all of the USA, no matter where you live, I am just a phone call away.
Mon: 9:00 AM to 5:00 PM
Tue: 9:00 AM to 5:00 PM
Wed: 9:00 AM to 5:00 PM
Thu: 9:00 AM to 5:00 PM
Fri: 9:00 AM to 5:00 PM
Sat: 9:00 AM to 5:00 PM
Sun: Closed
By Appointment only
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