Services

What It Does

Health Insurance protects peoples’ assets from being taken or spent in the event of a financially draining illness or accident. People work all their lives to build assets and if not protected, these assets can be taken very quickly to pay the bills. This insurance often has added benefits such as discounts and preventative care. Our goal in health insurance is to find the product that truly fits an individual or business at a cost they can afford.

What Types Are There?

Affordable Care Act(ACA) Plans and Short Term Medical Plans. ACA plans have no pre-existing condition clauses and can be purchased with a tax credit through the Your Health Idaho Insurance Exchange. These tax credits reduce the cost of premiums each month and are based on your income and number of dependents claimed on your taxes.
For plans and more information go to: yourhealthidaho.org

When Can I Purchase Regular Helath Insurance?

Open enrollment for ACA plans begins November 1 of each year and goes until December 15th for coverage that begins January 1st.
Special Election Periods (SEP) allow you to sign up at different times throughout the year. Losing group coverage, turning age 26, and a variety of other reasons. Search the Your Health Idaho manual using control for more special election period events.

Why Life Insurance

Life insurance has many purposes. One general purpose of a life insurance policy is to replace income if the insured dies prematurely. It gives peace of mind to the insured because the monetary insurance benefit is given to the insured’s family or survivors. It’s as though that individual is still generating income for their loved ones. The insured knows that if something happens to them, their family will be taken care of.

How do I understand which policy will be the right type of life insurance for me and my family?

At Orton Insurance, we treat you the way we’d expect to be treated. As it happens in many cases, most families don’t know what their future needs may really be. So, we’ll start first where you’re at with what you have. Second, we’ll identity your future financial requirements, hopes and even retirement dreams. Third, we match our products and find you the financial solutions your family will require for a secure future. We’ll help you find peace of mind for your future.

What’s available to me if I own a business, have a large estate, or have complex financial needs?

At Orton Insurance, we use many A+ rated life insurance companies. Together, we’ll help you solve complex financial problems that businesses and estates create at the death of owners. We’ll assist you, your business group, and your family members resolve difficult situations before they ever happen. You’ll feel peace of mind knowing that you’ve taken care of your most important needs.

How do you figure the right amount of insurance?

This is a very subjective figure and is something that should be discussed with your family. A few things to take into consideration are as follows:

• Burial Expenses
• Current Total Debt
• Surviving spouse's ability to generate income, educational degree, and work history
• Survivor income needs
• Children's education expenses
• Children's wedding expenses
• Mission Expenses
• Emergency Cash Funding
• Business Relationships

Disability insurance secures an individual’s income at least partially if he or she is disabled because of an illness or injury and unable to continue doing their occupation. Policies vary in what the definition of a disability is. Some policies pay a claim if the insured is unable to do the job they are qualified to do. For example, a surgeon is highly payed because of the special duties he can preform. If something happens to him and he is unable to perform surgery, then it is unlikely that anything else he does will give him the income he had before. A properly structured disability policy replaces that lost income.

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Dental Insurance is for care of teeth, gums and mouth. Generally its greatest benefit is that of preventative care (dependent on plan), but also assists in larger expenses after certain participation periods have been met. Click on the link below to see rates and benefits for one of our preferred provider of dental insurance.

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Vision coverage gives peace of mind knowing that money will be saved on visits to the optometrist. Those with vison coverage are much more likely to take proper care of their eyes. Click the link below to see options offered for individuals.

There are several pieces to Medicare Coverage that you need to know that are the main framework to the system itself. Those vital and necessary parts are Part A, B.

• Part A- Hospital Coverage
• Part B- Coverage for Doctor and Outpatient Care

Original Medicare Parts A & B will pay for much of your care after some deductibles and other expenses, however they don't cover all your expenses. Medicare supplements or Medicare advantage plans can help pay those healthcare expenses. See the Medicare Supplement Plans and Medicare Advantage for more information.

Medicare has a great set of resources to help you understand how it work. Click Here to view resources.

Medicare Part D is drug coverage. Original Medicare does not cover medications with a few exceptions.

Many plans are available. Every plan must cover drugs in each therapeutic category, however one may cover certain drugs better than another plan.

Tools such as Medicare.gov can help you find the plan best suited for you drug list and pharmacy choice.

These plans work hand in hand with Original Medicare Part A & B. After Medicare has paid, then the supplement will pay. Costs associated with each policy type are different.

For Example on a Plan G you will pay only the part B Deductible for the year before all of your medical expenses are covered. In 2022 that is $233.

Typically a person will pay more money per month for a supplement than for a Medicare advantage plan, however out of pocket costs after the premium are usually lower.

These can be used with any provider that accepts Medicare.

Drug Plans and Supplements

You must purchase a drug plan separate of a supplement. They do not come together as they could in a Medicare Advantage Plan.

We'll help select the appropriate plan for your needs at no cost to you. We get paid by the companies you choose to work with.

Medicare advantage plans are different from supplements. They are comparable to traditional health insurance with deductibles and copayments. There are also drug benefits that come with most Medicare advantage plans. They're often called Medicare Advantage Prescription Drug plans. A person with good health that's using very few services could save money using this kind of plan.

Think of these plans as a "pay as you go" policy. The savings comes in not spending extra money on the premiums that you could have spent on a Medicare Supplemental Policy. You only incur cost when you use services.

These plans use the health insurance company's network of doctors and facilities.

We'll help select the appropriate plan for your needs at no cost to you. We get paid by the companies you choose to work with.