Crossroads Health Retirement Insurance Service Team

OTT AND HOLMES,LLC
Bay St. Louis , MS

OTT AND HOLMES,LLC Bay St. Louis , MSOTT AND HOLMES,LLC Bay St. Louis , MSOTT AND HOLMES,LLC Bay St. Louis , MS
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OTT AND HOLMES,LLC
Bay St. Louis , MS

OTT AND HOLMES,LLC Bay St. Louis , MSOTT AND HOLMES,LLC Bay St. Louis , MSOTT AND HOLMES,LLC Bay St. Louis , MS
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Insuring a Bright Future for Retirement and Medicare choices

Insuring a Bright Future for Retirement and Medicare choicesInsuring a Bright Future for Retirement and Medicare choices

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FRIENDLY CUSTOMER SERVICE

At Ott and Holmes, LLC you are always met with a smile.

SERVICES OFFERED

Protecting Futures

We have years of insurance experience helping clients prepare for the unknown. Ask us about:

  • Life
  • Health
  • Accident
  • Short Term Disability
  • Medicare Supplements
  • Medicare Advantage Plans
  • Hospital Indemnity
  • Prescription Drug Plans
  • Mortgage Protection 
  • Federal, Local, State and Public Employee Tax Deferred Savings Plans
  • Teacher Group Benefits
  • Annuities
  • 401k, IRA, Rollovers
  • Wealth Transfer
  • Trust

We can access many different insurance products so you can get the right one for you.

Assessing Need

Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly. Call us today, and we'll analyze your current insurance needs.

 If you have gaps or need additional coverage we can get you covered quickly at the right price.


Building Relationships

Everyone has different insurance and retirement saving needs. Call us today for a personalized business or individual assessment and find out how we can help protect your hard-earned assets.

Are You a Federal, Local Government, State, or Non-Profit Employee or Organization?

 We will be happy to come do educational seminar for your school, group, business or church at NO COST to you.


We have group insurance and individual retirement plan benefits for all ages and groups, including but not limited to LIFE, DISABLITY, DENTAL, VISION, HEARING, CANCER, and many more ancillary products that are very competitive to other vendors.


We will work with your Third Party Administer (TPA) for cafeteria plan products that are offered.


Get a free quote today!  .

MEDICARE MAZE...MADE EASY SHOP HERE

We understand that making decisions at this crossroad in your life can be quite confusing and frustrating.


We can eliminate that frustration by searching all the plans for you since we represent them all.



 Option ONE

MEDICARE SUPPLEMENT


  1. Federally Standardized Medigap Plans offered in all states and in DC.
  2. There are 8 plans A-N offered in most states.
  3. All Policies Offer the same basic benefits..


These plans are best whenever you :


  1. Want to budget Medical Costs
  2. Travel and may need to see a doctor away from home.
  3. See any doctor or specialist, no referrals
  4. Plans help pay some of the other healthcare costs that Medicare does not pay such as; deductibles, coinsurance and/or copayments.
  5. You can keep it as long as you pay your premiums on time they are GUARANTEED RENEWABLE!
  6. In addition to the premium you must purchase an RX Part D Plan with this plan to cover your medication expenses


  1. Option TWO

MEDICARE ADVANTAGE 


  1. PART C replaces A&B and can include Part D.
  2. They have PPO (Preferred Provider Organizations) or HMO (Home Maintenance Organizations)
  3. Usually one or more plans are available in a county.
  4. Usually has Copays 
  5. Includes a Maximum Out of Pocket Maximum
  6. Some plans offer  extra services such as Dental, Hearing, Vision, OTC (over the counter) Benefits and more already included in the plan.


These plans are best whenever you :


  1. Want to pay a lower or zero premium
  2. Can be used as a back up plan for VA services
  3. Like the network of doctors on plan
  4. If you are on low-income subsidy for Medicare.
  5. If you need coverage for Dental, Hearing or Vision

Do you know what benefits you qualify for?

LIS = Low Income Subsidy 
Means ~ Extra Help

QMB = Qual

 Do you know what benefits you qualify for?


LIS = Low Income Subsidy Means ~ Extra Help


QMB = Qualified Medicare Beneficiary

SLMB = Specified Low Income Medicare Beneficiary Note*  Qualified Medicare Beneficiary (QMB): Pays for Medicare Parts A and B premiums. Specified Low-income Medicare Beneficiary (SLMB): Pays for Medicare Part B premium. 


FBDE= Full Benefit Dual Eligible 

Means ~ You Qualify for Both 

 RETIREE* or UNION PLANS


Must ASK questions to determine what coverage is best:


  1. Does the plan have any copays and deductibles ?
  2. Does the plan include a drug plan?
  3. Ask IF you opt out, can you opt back in later?
  4. How much does the plan cost?
  5. Does the plan include Dental, Vision or Hearing Coverage?


NOTE:

Retiree coverage is NOT creditable coverage IF delaying enrollment into PART B


PART D 

PRESCRIPTION DRUGS


  1. Prices Vary by plan
  2. Included with some retirement plans
  3. Late enrollment penalties may be imposed
  4. VETS are NOT required to enroll, but may choose to do so.
  5. Premiums are based on Income
  6. In 2021 your coverage gap begins when you and your drug plan spends $4,130
  7. From $4,131 to $6,550 you pay 25% of GENERIC drugs; 25% of BRAND-NAME drugs, but 95% counts toward you OPE (out-of-pocket expense)
  8. Catastrophic coverage applies after $6,550


ANNUITIES

We Offer Several Types of Annuities

  • Single Premium Deferred Annuities
  • Flexible Premium Deferred Annuities
  • Immediate Annuities
  • Index Annuities
  • Multi -Year Guarantee Annuities

We Do Rollovers and Transfers for the following:

  • Qualified Monies - meaning TAXES have NOT been paid.
  • IRA (Individual Retirement Accounts)
  • 401k Plans
  • 403b Plans
  • Non Qualified Money- meaning TAXES has been paid .
  • Certificate of Deposits


Want to Jump Start Yor Savings and Retirement?

  • We can offer you up to 10%  GUARANTEED upfront on your principle on day ONE from age 0-70 for the first year. Plus you will get the current interest rate too.


  • We can offer you up to 5% GUARANTEED upfront on your principle on day ONE from age 0-80 for the first year. Plus you will get the current interest rate too.


  • We can offer you up to 3.5%  GUARANTEED upfront on your principle on day ONE from age 81-85 for the first year. Plus you will get the current interest rate too.

You Choose The Term That is Best for You.

We have the following:

  • Two years
  • Three years
  • Five Years
  • Seven Years
  • Ten Years
  • Fourteen Years
  • Note that the 7,10, and 14 year plans have UPFRONT BONUSES

Questions?

You have questions, we have answers! Contact us with yours today.


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OTT AND HOLMES, LLC

Ott and Holmes, LLC- , 412 Highway 90 Suite #4, Bay Saint Louis, Mississippi 39520, United States

228-344-3229

Hours

Monday - Friday: 9am - 6pm

Saturday: 10am - 2pm

Sunday: Closed

Schedule a Free Assessment Review NOW to see where you are currently...then we can help you get to where you want to be.

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