At Agent Nancy, I’m dedicated to simplifying the complexities of health and life insurance, ensuring you make informed decisions with confidence. With personalized service and years of expertise, I’ll help you find coverage that fits your needs and protects your future.
At Agent Nancy, I’m dedicated to simplifying the complexities of health and life insurance, ensuring you make informed decisions with confidence. With personalized service and years of expertise, I’ll help you find coverage that fits your needs and protects your future.
Meet Nancy Smallwood
Welcome to Agent Nancy! I’m Nancy Smallwood, and I'm passionate about guiding you through the complex world of health and life insurance with personalized support. As someone with over 20 years of experience in healthcare finance and insurance, I’ve seen firsthand the challenges people face when it comes to understanding their options. My goal is to provide you with the knowledge and clarity needed to make informed decisions, ensuring your health and financial future are protected. With mindful coverage tailored to your needs, I’m here to give you the peace of mind you deserve.
Services NANCY SMALLWOOD Offer
I offer a range of personalized insurance solutions designed to fit your unique health and financial needs. From Medicare planning to life insurance and long-term care, I’m here to help you navigate your options with confidence and ease.
Navigating Medicare can be overwhelming with its different parts (A, B, C, and D), deadlines, and plan options. I help simplify the process, ensuring you’re well-prepared financially and medically. Whether you’re looking at supplemental plans or network-based coverage, I’ll guide you every step of the way. Medicare planning should start the year before you turn 65, and my consultation is always free.
Choosing the right life insurance can be difficult, but I’m here to make it easier. I partner with top-rated insurance companies to find the coverage that fits your specific needs. My approach focuses on understanding your goals and turning them into solutions that offer security and peace of mind.
Planning for long-term care in New York is essential, especially if Nursing Home Medicaid might be needed. I provide peace-of-mind consultations to review your resources and help determine your eligibility. Ideally, planning starts 5-10 years ahead, and no attorney is needed during this initial stage—just expert guidance.
Your dental and vision care are just as important as any other aspect of your health. If Medicare or employer-based insurance doesn’t cover these services, a stand-alone dental or vision plan could be the solution. I’ll help you explore affordable options that fit your needs.
Educating your group on topics like Medicare, life insurance, or estate planning can be incredibly valuable. I offer free educational seminars tailored to your organization’s needs, available in person or via Zoom. Let’s empower your community with the knowledge to make informed decisions.
Empowering Your Health Journey with Confidence
At Agent Nancy, I am committed to developing personalized plans tailored to your health needs, financial goals, and budget. Whether you're overwhelmed by Medicare, long-term care options, or navigating life insurance, I’m here to simplify the process for you. I believe everyone should feel confident and informed when making important healthcare decisions, and I’m here to ensure that happens.
TIPS, INSIGHTS & BLOG
Visit my Blog where I share personal stories, real-life examples, and practical advice from my years of experience in the field. These are lessons learned from the frontlines, shared in everyday language that you can easily understand.
This weekend I participated in a Healthy Lifestyle Expo event in my community and had the opportunity to answer many questions about Medicare and eligibility. It alarmed me the number of people that were 65-years old, still working, and were advised by their Human Resource Department that they were required to maintain their employer health insurance plan. THIS IS NOT TRUE!!
Over the years Social Security has increased the age one is eligible to receive full retirement benefits, and it has creeped up to 67-years old. The minimum age to receive Medicare benefits has NOT changed and remains 65-years old. So what does this mean?
Large employers with at least 20 employees must offer you and your spouse the same benefits they offer younger employees and their spouses. But you get to decide what works best for you:
Accept the employer health plan and delay Medicare enrollment.
Decline employer coverage and rely wholly on Medicare.
Have employer coverage and Medicare at the same time
Medicare will pay only for services it covers that the company plan doesn’t. So unless your employer insurance doesn’t cover much, you could be paying monthly Medicare premiums with little or no return.
Small employers with less than 20 employees are not required to offer the same insurance coverage as employers with 20 or more employees, and can require that you enroll in Medicare or lose health insurance coverage.
What you decide will depend on many factors, the most pressing:
1.) Compare cost of Medicare vs. Employer plan
2.) Compare covered services of Medicare vs. Employer plan
3.) If you wish to keep your Health Savings Account HSA (seen with high-deductible plans) you can not enroll in Medicare until you have not contributed to your HSA plan for a minimum of 6-months
With more people than ever working beyond 65-years of age and the complexity of Medicare rules, it is no surprise that even your employer might not be clear of the rules.
Working, not working, retiring, not retiring...whatever you decide, the year you turn 65 is the year you start planning. Don't miss out on benefits that you have earned and are entitled to.
Follow me on Facebook at https://www.facebook.com/profile.php?id=61551075748151 for tips, reminders, or to ask questions. Prefer a one-on-one, fill out the consult form below or email me at [email protected]
Mindful Coverage, because your health matters!
Connect with Agent Nancy
Navigating health and life insurance can be overwhelming, but you don’t have to do it alone. I’m here to help with any questions you have or to schedule a free consultation. Together, we can explore your options and find the best solutions for you. Let’s make this process easier and give you the confidence you need!
I do not offer every plan available in your area. Any information I provide is limited to those plans I do offer in your area.
Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.