SERVICES
What we do
Our approach
Helping you Focus Your Time And Efforts On Enjoying Your Retirement
We at Harding Harding and Associates strive to bring our clients and trusted advisors the highest quality of planning and service, in the Medicare Supplement and Long-Term Care insurance planning arenas.
Our unique approach as an independent planner / consultant sets us apart from others who “simply sell insurance”. Our goal is to educate you so that you have a better understanding of the long-term care problem, then to assist you in addressing that problem with a suitable policy for your situation. We meet with you, determine the role insurance should play in your planning, and then help you shop for the right possible solution.
We pride ourselves on finding the best solution for each client we work with. We work primarily by referral from existing clients and the trusted advisors that rely on our expertise for their client’s needs. We offer everyone the option to use us as their broker or as an advisor/consultant.
End The Stress & Confusion
Of Medicare
Medicare Consulting
Welcome to Medicare Consulting
Medicare can be a dangerous self-study topic. Let us educate you on Parts A, B, C, & D benefits, the various enrollment periods, potential lifetime penalties, different insurance options, Medicare costs, and enrollment assistance.
Prescription Drug Consulting
With an overwhelming number of different plans available, let us help choose the proper Drug Plan based on your unique situation. We provide a comprehensive review of how the program works and a detailed cost-based analysis of each plan in your market. Taking the guesswork out of choosing a plan.
Medicare Broker Services
Medicare Supplements
We offer today’s top plans from the highest-rated and most experienced carriers.
Dental & Vision Insurance Policies
With a variety of plans available, we can help you find basic coverage or enhanced coverage for major care needs.
Long-Term Care Broker Services
Traditional LTC
An economical way to offset unexpected long-term care costs; allowing you to get the care you need in the setting you prefer.
Hybrid Life Insurance Policies
Based on the proven whole life chassis, our hybrid life-long term care plans provide tax-free LTC benefits, a death benefit, and guaranteed premiums.
Asset Based LTC Plans
By simply repositioning a portion of your portfolio, you can maximize your dollars for a long-term care need. Fund not used for care go to your beneficiaries at death.
Long-Term Care Claims Assistance & Consulting
Long-Term Care Claim Assistance
For those who purchased a plan elsewhere and need claims assistance.
Long-Term Care Insurance Review
For those who have purchased a Long-term Care plan elsewhere and want a review of benefits.
