Stitz & Associaties is St. Louis' Trusted Source for Employee Benefits and Individual Health Insurance
Individual & Family Insurance Products
Health Insurance
We have approximately 10 different insurance companies we represent for individual plans. We market and sell traditional copay plans along with Health Savings Account (HSA) plans which continue to gain in popularity. It is not uncommon for us to
recommend plan changes for the individual plans on an annual basis if the premium increases are higher than average. We also handle the servicing issues of the individual plans in terms of claims, billing, enrollment & termination questions.
Medicare Supplements
We sell the traditional Medicare Supplements such as Plan F. This plan allows the insured to visit any provider which subscribes to Medicare as long as the insured has Medicare Parts A & B. For example, a 65-year old is eligible for the Anthem BlueCross Plan F at a monthly premium of $162.30 which covers all medical costs in full. The only thing not covered is Prescription Drugs which can be covered with a Part D drug card.
Long Term Care Insurance
LTC is becoming more important as people are living longer and frequently need at home care or care in a Nursing Home setting. We sell policies customized for every individual's needs in terms of an LTC policy to supplement or pay the majority of Nursing Home costs. Rates are based upon Health History and age, meaning the longer an individual waits to purchase a policy, the higher the premiums will be.
Dental Insurance
Dental Insurance on an individual basis can help supplement future Dental bills. Dental plans will pay a percentage of the dental costs once the waiting periods are satisfied for both Basic & Major Services. The Dental plans that we sell allow you to visit any provider you choose.
Life Insurance
We mostly sell Term Life Insurance in the benefit periods of 10,15,20 or 30 years. Benefit amounts start at $100,000. Premiums are based upon an applicant's health history along with family history and labwork. We will quote plans from 5-10 different
Life Insurance carriers. Life Insurance can be purchased for many different reasons such as Income Replacement, Debt Repayment, Estate Conservation or Key Man Insurance for a business.
Disability Insurance
To help protect what you've worked so hard to achieve, consider purchasing an individual disability income insurance policy. This policy can be stand alone protection or wrapped around existing group disability benefits. Disability rates are based upon health history along with income amounts and job class.