Secure Your Future With Diverse Insurance Products
T Harris Insurance offers a wide array of insurance products designed to protect you and your loved ones. Explore my offerings and find the coverage that best fits your lifestyle and financial goals.
Medicare Advantage Plans
Medicare Advantage Plans combine your Part A, Part B, and often Part D coverage into a single, comprehensive plan. These plans may include additional benefits that Original Medicare does not cover, such as vision, hearing, and dental services. Offered by private companies approved by Medicare, these plans operate under guidelines set by Medicare and are also referred to as Medicare Part C.
Medicare Supplement Insurance
Medicare Supplement Insurance, commonly known as Medigap, is designed to help cover out-of-pocket medical expenses not covered by Original Medicare. This includes costs like co-payments, coinsurance, and deductibles, ensuring you have financial support when you need it most.
Stand-Alone Prescription Drug Plans (PDP)
Also known as Medicare Part D, Stand-Alone Prescription Drug Plans provide coverage for a wide array of prescription medications. These plans include a drug formulary that categorizes medications into different levels, referred to as tiers. Generally, lower-tier drugs come with reduced costs, making it easier for you to manage your prescription expenses.
Trusted Providers
Insurance products are backed by reputable insurance companies, ensuring you receive quality coverage. These trusted providers include:
Ancillary Products
My ancillary offerings ensure you have access to essential coverage beyond standard health insurance. These include:
Dental/Vision Solutions
I provide a range of dental solutions to meet your needs, including the following:
Life Insurance Options
Understanding your life insurance choices is crucial for financial security. I offer various types of life insurance, including:
Term Life Insurance
This straightforward policy requires premium payments for a specified term—usually 10, 20, or 30 years. Term life insurance is ideal for families facing significant financial obligations, such as mortgages or education expenses.
Whole Life Insurance
A whole-life policy provides lifetime coverage as long as premiums are maintained. Unlike term insurance, it features a cash value component, making it a more comprehensive financial product.
Indexed Universal Life (IUL)
IUL insurance combines a death benefit with a cash value element that can earn interest based on a stock market index, such as the Nasdaq-100 or S&P 500. This option allows for potential growth while offering permanent coverage.
Accelerated Death Benefit
This rider allows you to access a portion of your life insurance death benefit while you are still alive, subject to specific criteria set by the insurer. Not all policies include this feature, so it’s important to inquire about availability.
Licensed in: FL, GA, ID, IN, LA, MD, NY, OH, PA, SC, TX, VA, WA, WV
In all other states, please visit Ethos.com
Annuities
My annuity products provide reliable income options for your financial planning
Explore Your Options
While I strive to provide comprehensive coverage, I may not offer every plan available in your area. Currently, I represent several Medicare Advantage organizations that offer various plan options tailored to your location. For a complete overview of your choices, I encourage you to visit Medicare.gov, 1-800-MEDICARE, or contact your local State Health Insurance Program (SHIP).
*Not all products available in all areas*