Our Insurance Services

Our Service Portfolio Covers Medicare, Health, and Life Insurance

H. Scott Zee & Associates


While standard Medicare offers coverage for a wide variety of services, you may find that a different plan through a separate insurance carrier better fits your needs. If you are interested in an alternative plans, we can help you find coverage through either Medigap (Medicare Supplements) or Medicare Advantage. Both of these plans offer additional support through third-party insurers, and they are required to provide equal or better coverage when compared to regular Medicare.

Benefits of Medicare Part A & B

  • Medicare Part A covers facility-based care such as hospital visits, emergency room services, hospice, and nursing home care.
  • Medicare Part B covers traditional outpatient treatments and services, including vaccinations, lab tests, mental health services, outpatient operations, durable medical equipment, and most other medical services not performed in a hospital.

Medicare Supplements

The Plan F picks up where Medicare leaves off.You have the freedom to choose your doctor and the finest health care facilities available from any Medicare participating provider, including Mayo Clinic. Medicare states cost is usually the only difference between Medigap policies sold with the same letter. See why this is important to you and why I examine the insurance companies to give you the best value.

If Medicare approves the service with Plan F – you pay nothing!

  • You maintain total control to choose any Medicare participating Doctor or Center of Excellence within the United States.
  • If Medicare approves the service – the Plan F pays and you pay nothing!
  • No deductibles or co-pays (Plan F).
  • Electronic claim processing which means no agonizing paper work.
  • Foreign Travel benefits.
  • Nominal health qualifications!

Critical Illness Insurance

Due to mounting health care costs and the impact upon health insurance premiums, some people are seeking high deductible health insurance plans to lower their premiums. They have found that this solution can create monetary holes in their primary major medical plan, but when they plan for this gap, they can achieve security and value for the premium dollar they spend.

Critical Illness insurance is one of the solutions to this gap because upon diagnosis or surgery for a covered condition, it pays a lump sum benefit directly to you tax free1.You choose a lifetime benefit maximum from $10,000 to $50,000 to cover some of the added expenses associated with the diagnosis of a major condition such as cancer, heart attack, stroke, major organ transplant or End Stage Renal Failure.

Final Expense Insurance

Final expense insurance helps families cope with the loss of a loved one by guaranteeing all funeral and burial expenses will be paid for. With so many different options to choose from, the cost for a service, burial plot, casket, and headstone can range anywhere from $1000 to $10,000, and the grieving period is no time to be making complicated financial decisions.

Final expense insurance is a perfect alternative to traditional life insurance, because it is more affordable, no medical exam is required, and premiums will not increase over time. In addition, final expense insurance can provide funds to your family within 24-48 hours of your passing whereas traditional life insurance plans can take weeks to pay out. This instant, short-term monetary relief can be crucial for staying current with mortgage payments and covering day to day living expenses.

No longer a luxury, final expense insurance is a necessity. So what are you waiting for? Give yourself and your loved ones peace of mind today.

Other Life and Health Insurance Products

Finding the right Life and Health Insurance products can be challenging in today’s insurance environment. H. Scott Zee & Associates offers a line of life insurance products that are crafted to meet you and your family’s specific needs. We work with several different top-rated insurance companies, and will place your account with the company that will provide you with the coverage and benefits you want.

H. Scott Zee & Associates can help you make sound, informed decisions about issues affecting your life, health and insurance needs. Our philosophy is to fully understand your objectives and then translate them into solutions that provide assurance and peace-of-mind.

Please "contact us" for a consultation today

*Disclaimer: This page has not been reviewed or endorsed by Medicare.gov or any member of the Centers for Medicare & Medicaid Services (CMS).