Couvillier Advisors

Services

Life Insurance

Life Insurance

When families are grieving over the loss of a loved one, the last thing they need is the added stress of trying to figure out how to pay for a funeral, or continue paying the mortgage, or just maintaining their standard of living. Life insurance provides long-term financial security for your family when they need it most? We can help you determine the coverage amount and time period for your policy to ensure your family’s future is protected. We offer Whole Life, Term, and Universal Life insurance, as well as Accidental Death plans. To learn more about your life insurance options, contact us today.

Medicare Insurance

Medicare Insurance

Should I choose a Medicare Advantage plan or a Medicare Supplement plan? Is my doctor in-network? Can I afford my prescriptions? Couvillier Advisors offers a variety of Medicare Advantage, Supplemental and Prescription Drug Plans to help take the burden off of your family in your time of need. We have plans and options to suit all needs. Our team of experts will help find the Medicare options that are most suitable for you.

Health Insurance

Health Insurance

With so many options available for health insurance, how do you choose? Should you choose a health plan on the exchange or a short-term plan off the exchange? Should you go with an HMO or a PPO? What should your deductible be? With our team of advisors and our needs-based analysis process, we can offer solutions that are custom fit to you and your family.

Ancillary Insurance

Ancillary Insurance

Also known as Supplemental insurance, Ancillary Insurance policies are used to enhance existing insurance benefits and cover gaps not covered by typical insurance policies. We offer a large variety of Ancillary insurance products including, but not limited to, individual and group dental/vision, accident, cancer, heart attack and stroke, hospital stays, and short and long term care. If you are looking for additional coverage, we can help you select a policy that is right for you.

Group Benefits

Group Benefits

Group benefits don't just benefit members or employees. There are huge advantages to groups and employers that offer group benefits as well. Some of the advantages include improved morale, attracting better qualified members and employees, a healthy workforce, and tax advantages. Contact us today for benefit solutions tailored specifically to your organization.

Retirement Income Protection

Retirement Income Protection

How much of your retirement do you feel comfortable losing during the next economic downturn? If the answer is none, let us help you protect those retirement assets. We specialize in protecting your principle when the market is down, while also helping you earn generous returns when the market is up. Retirement should be an opportunity to live your best life. Don't spend it on a modest income or become a financial burden to your family. Let Couvillier Advisors help you enjoy a stress-free retirement so you can be free to do whatever you want.

Debt Relief

Debt Relief

Having trouble paying back credit cards, loans, or other unsecured debts? When paying off debt feels hopeless, it creates stress, relationships suffer, and other areas of one’s life can be negatively affected. The great news is that your situation can be solved with proper debt relief help. If you’re tired of paying minimum payments and barely putting in dent in what you owe, or tired of getting calls from creditors, or if you need a solution to pay back the lowest legal amount possible, then you need to take action with a debt relief program as quickly as possible. Contact us today for more information.

Tax Relief

Tax Relief

Are you currently in a situation where state authorities, or the IRS, are demanding money from you? Regardless of whether you feel that the money is actually owed or not, there are a number of different solutions. Having a professional tax resolution company solve tax issues usually gets better results than an individual, or even an individual tax professional, handling it on their own. Contact us for a free consultation today.

College Savings Plans

College Savings Plans

What if you could brighten the future for your loved ones? We make it easier with a smart and secure way to help pay for their college education. With college costs continually rising, paying for higher education is getting even harder. Our College Savings Plans enable you to provide up to $150,000 in financial support per policy and receive a guaranteed payout of the cash accumulation to help pay college expenses. Unlike other college investment plans, it isn’t tied to the stock market, so growth is guaranteed and there are no limitations to how the funds can be used. Plan to be a hero today as you support their dreams for tomorrow.

Rx Discount Card

Rx Discount Card

Most of us are aware, drugs cost too much! Our FREE Prescription Discount Card provides substantial savings on Brand & Generic medications. Use this card if your insurance plan doesn't cover all of your medications. Also, discounts are often greater through our prescription discount card than they are through your health insurance. You can also use our card to save money on your pet's prescriptions. Just click on the "Sign Up For Free Card" button below. When you search your first prescription, you will be prompted to register for your card and we will email it to you immediately after you complete your registration.

Benefits Package

Benefits Package

Save time, money, & worry. Our benefits packages help to reduce your healthcare and lifestyle expenses by providing discounts on select services. This program is designed to provide the tools, technology, and benefit solutions to make your life easier and keep you and your family healthy and happy. Three benefit packages to choose from. Just pick the one that best fits your family's needs.

Financial Counseling

Financial Counseling

Do you need to fix your credit and don't know where to start? Are you struggling to get a handle on paying your bills each month? How much money should you be putting from your paycheck into savings? If you need help with understanding the basics of finance, our experts at Couvillier Advisors are here to help.

Life Insurance

Life Insurance Learn More Request a Quote

Medicare Insurance

Medicare Insurance Learn More Request a Quote

Health Insurance

Health Insurance Learn More Request a Quote

Ancillary Insurance

Ancillary Insurance Learn More Request a Quote

Group Benefits

Group Benefits Learn More Request a Quote

Retirement Income Protection

Retirement Income Protection Learn More Request a Quote

Debt/Tax Relief

Learn More Request a Quote

College Savings Plans

College Savings Plans Learn More Request a Quote

Benefits Package

Benefits Package Learn More Request a Quote

Financial Counseling

Financial Counseling Learn More Request a Quote

Life Insurance

When families are grieving over the loss of a loved one, the last thing they need is the added stress of trying to figure out how to pay for a funeral, or continue paying the mortgage, or just maintaining their standard of living. Life insurance provides long-term financial security for your family when they need it most? We can help you determine the coverage amount and time period for your policy to ensure your family’s future is protected. We offer Whole Life, Term, and Universal Life insurance, as well as Accidental Death plans. To learn more about your life insurance options, contact us today.

Life Insurance Products Offered

Whole Life - Whole life insurance guarantees payment of a death benefit to beneficiaries in exchange for level, regularly due premium payments. It lasts for a policyholder's lifetime, as opposed to term insurance, which is for a specific amount of years. Whole life insurance is often purchased to cover funeral costs. These smaller Whole Life policies are commonly referred to as Final Expense insurance. The policy includes a savings portion, called the “cash value,” alongside the death benefit. In the savings component, interest may accumulate on a tax-deferred basis. The savings component can be invested; additionally, the policyholder can access the cash while alive, by either withdrawing or borrowing against it, when needed. Growing cash value is an essential component of whole life insurance.

Term Life - Term insurance is a type of life insurance policy that provides coverage for a certain period of time or a specified "term" of years. If the insured dies during the time period specified in the policy and the policy is active, or in force, a death benefit will be paid. Term insurance is initially much less expensive when compared to permanent life insurance. Unlike most types of permanent insurance, term insurance has no cash value. In other words, the only value is the guaranteed death benefit from the policy. Term insurance can have much higher death benefits than whole life insurance and is typically purchased for such things as paying off a mortgage, children's college tuition, or leaving a legacy behind for beneficiaries in case of death.

Universal Life - Universal life (UL) insurance is a form of permanent life insurance with an investment savings element plus low premiums. The price tag on universal life (UL) insurance is the minimum amount of a premium payment required to keep the policy. Beneficiaries only receive the death benefit. Unlike term life insurance, a UL insurance policy can accumulate cash value. A UL insurance option provides more flexibility than whole life insurance. Policyholders can adjust their premiums and death benefits. UL insurance premiums consist of two components: a cost of insurance (COI) amount and a saving component, known as the cash value.

Accidental Death - Accidental death insurance is usually a rider to a life insurance policy, but can also be written as a standalone policy. Similar to term insurance, it provides coverage for a certain period of time, or until a specific age, and does not typically build cash value. Unlike term insurance, it only covers the unintentional, or accidental, death (not from natural causes) of the insured. Due to the fact that natural death is not covered, most plans are considered guaranteed issue and do not require medical underwriting to be approved. Because of coverage limitations, prospective buyers should carefully read the terms of the policy. Because Accidental Death insurance is limited and generally covers unlikely events, it is supplemental life insurance and is not generally an acceptable substitute for other life insurance.

Comparison Chart

Feature
Whole Life
Term Life
Universal Life
Accidental Death
TermPermanent10-40 Years or Age 70Permanent20 - 30 Years or Age 80
Death BenefitLevelLevel or DecreasingLevel or IncreasingLevel
Earns Cash ValueYesNoYesNo
Cash Value GrowthFixed RateN/AFixed or Variable RateN/A
Invested in MarketNoN/ATied to stock indexes for IULsN/A
Flexible Premiums AvailableNoNoYesNo
Cost$$$$$$$$$$


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Medicare Insurance

Should I choose a Medicare Advantage plan or a Medicare Supplement plan? Is my doctor in-network? Can I afford my prescriptions? Couvillier Advisors offers a variety of Medicare Advantage, Supplemental and Prescription Drug Plans to help take the burden off of your family in your time of need. We have plans and options to suit all needs. Our team of experts will help find the Medicare options that are most suitable for you.

What's New for Medicare 2021

  • The standard Part B premium is expected to increase from $144.60 per month in 2020 to $153.30 per month in 2021.
  • Part B deductible is expected to increase slightly.
  • Part A premiums, deductibles, and coinsurance will also be higher in 2021.
  • Medicare Supplement plans C and F are no longer available for purchase by newly-eligible Medicare beneficiaries.
  • The maximum out-of-pocket limit for Medicare Advantage plans is increasing to $7,550 for 2021.
  • For Part D prescription drug plans, the maximum allowable deductible increased from $435 in 2020 to $441 in 2021. The out-of-pocket threshold (where catastrophic coverage begins) will increase to $6,550 in 2021, up from $6,350 in 2020. The Part D "donut hole" also was eliminated.
  • Medicare has expanded Telehealth and Long Term Care options for 2021.
  • Beginning in 2021, beneficiaries with End-Stage Renal Disease (ESRD) can now enroll in Medicare Advantage plans.

Understanding Enrollment Periods

Initial Enrollment Period - A seven-month window to join Medicare for the first time. This enrollment period begins three months before the month you turn 65, through your birthday month and ends three months after the month you turn 65. You can also become eligible for Medicare under 65 if you are on disability for at least 24 months. The Initial Enrollment Period for someone on disability is seven months long as well and runs from three months before your 25th month on disability through the three months after. During this time, you can:

  • Enroll in Medicare (Parts A and B). Contact Social Security to learn more.
  • Enroll in a stand-alone Medicare prescription drug plan (Part D).
  • Enroll in a Medicare Advantage plan (Part C).

    Supplemental Enrollment Period - You may sign up for a Medicare Supplemental (Medigap) plan any time of the year. However, the best time to buy a Medicare Supplement plan is during the six-month enrollment period that starts the first day of the month you turn 65 (as long as you have signed up for Medicare Part B). During this period you have a guaranteed issue right, which means you can't be denied. After this period, you may be required to answer medical questions in order to qualify for coverage.

    Annual Enrollment Period - This enrollment period runs from October 15th to December 7th. If you choose to make changes during the Annual Enrollment Period, your new coverage won't begin until January 1st. During this enrollment period anyone can make the following changes to their Medicare plan or enroll in a Medicare plan:

  • If you’re in Original Medicare, you can switch to a Medicare Advantage plan or vice versa.
  • You can switch from a Medicare Advantage plan with drug coverage to one without — or vice versa.
  • You can join or drop a Medicare prescription drug plan.
  • You can also update your coverage by switching to a new plan from your current insurer or switching to a new insurer.

    Open Enrollment Period - This period takes place from January 1st through March 31st annually. It allows individuals enrolled in a Medicare Advantage plan to make a one-time election to go to either another Medicare Advantage plan or Original Medicare. In either case, your new coverage will start on the first day of the month following the month you make a change.

    Special Enrollment Period - For certain situations, such as moving outside of your service area or losing your current healthcare or prescription coverage, you may be able to join, switch or drop a Medicare Advantage or prescription drug plan outside the basic enrollment periods.

    The ABC...and Ds of Medicare

    Medicare has four parts. Parts A and B are called Original Medicare and are run by the federal government. Part C is known as Medicare Advantage and Part D covers prescription drugs, both are purchased from private health insurance companies. Medicare Advantage plans combine Parts A and B, and often Part C. The last componenent of Medicare is Medicare Supplement plans, or Medigap. These plans can be added only to Original Medicare plans to help cover the out-of-pocket costs. Here's an overview of some of the things each part covers.

    Part A: Original Medicare - Hospital care, skilled nursing facility care, hospice, home health care

    Part B: Original Medicare - Doctor visits, outpatient surgery, lab tests, drugs administered in doctor's office, medical equipment (i.e. wheelchairs, walkers, etc.)

    Part C: Medicare Advantage - Covers everything Parts A and B cover. Many plans also cover dental, vision, and prescription drugs.

    Part D: Prescription Drugs - Prescription drugs

    Medicare Supplement (Medigap) - Covers out-of-pocket costs not covered by Original Medicare Parts A and B.

    Comparing Medicare Parts

    Original Medicare - Original Medicare is a fee-for-service health plan in which the government pays for medical services and consists of two parts: Part A (Hospital Insurance) and Part B (Medical Insurance). Original Medicare does not cover dental, vision, hearing, or for the costs of prescriptions. After you pay a deductible, Medicare pays its share of the Medicare-approved amount, and you pay your share (coinsurance and deductibles).

    Original Medicare vs. Medicare Advantage - Medicare Advantage plans are popular because of their convenience. Most plans combine medical and prescription coverage on one plan. Some offer dental and vision coverage, too. And you're able to predict your out-of-pocket costs better than you can with Original Medicare. When you have Original Medicare, you pay 20 percent of the cost, or 20 percent coinsurance, for most medical services covered under Part B. Medicare Advantage plans use co-pays more than coinsurance, which means you pay a fixed cost. You might have a $15 copay for doctor office visits, for example. And with Medicare Advantage plans, you have an out-of-pocket maximum. That means once you spend a certain amount of money on health care each year, your plan pays 100 percent of the cost of services it covers. Original Medicare doesn't have this cap. So if you get really sick, you'll end up paying a lot.

    Medicare Advantage vs. Medicare Supplement (Medigap) - Medicare supplement, or Medigap, plans are another option. In a way, Medicare Advantage replaces Original Medicare and connects all the pieces together on one plan. Supplement plans don't replace Original Medicare. It's more like an extra you can add on top of Original Medicare. For example, your plan might pay the 20 percent coinsurance for doctor office visits. But if you go this route, you'll need to make sure you have prescription drug coverage. That means that if you don't have a Part D plan through an employer or union, you may face a penalty if you don't buy one on your own. And supplement plans don't come with the extra benefits you often get with Medicare Advantage, like dental and vision coverage.

    Prescription Drug Coverage - Medicare Part D covers prescription drugs. You get it through a Part D prescription drug plan or through a Medicare Advantage plan. But it works differently from prescription coverage that comes with other health insurance plans. Medicare Part D prescription coverage has something called the coverage gap, or donut hole. The coverage gap is a stage in which you pay much more out of pocket for your prescription drugs. It's not based on a time period. It's based on how much you spend. The other important thing to be aware of is the Part D Late Enrollment Penalty. If you do not sign up for Part D when you first become eligible and try to sign up at a later date, you could incur a penalty on your premium for as long as you have prescription coverage.

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    Health Insurance

    With so many options available for health insurance, how do you choose? Should you choose a health plan on the exchange or a short-term plan off the exchange? Should you go with an HMO or a PPO? What should your deductible be? With our team of advisors and our needs-based analysis process, we can offer solutions that are custom fit to you and your family.

    What's New for Healthcare 2021

    *Special Enrollment Period - The federal government has extended the Special Enrollment Period for health insurance to August 15th and has also increased tax credits to reduce the costs of premiums.

    Enrollment Period - The Open Enrollment period for plan year 2021 is November 1, 2020 through December 15, 2020.

    Annual Cost Sharing Limits - For 2021, the maximum annual out-of-pocket limitation on cost sharing has increased to $8,550 for an individual and $17,100 for families enrolled in individual and group market plans. Beginning with plan year 2021, when consistent with state law, the issuer or plan may, but is not required to, count direct support offered by drug manufacturers (prescription discounts) for specific prescription drugs towards the consumer's annual cost-sharing limit.

    Eligibility Determination Appeal - In addition to mail, consumers can now file an appeal of a Marketplace eligibility determination online or by fax. Appeal must be submitted within 90 days of the contested Eligibility Determination Notice, unless due to exceptional circumstances.

    • Online: Visit healthcare.gov/marketplace-appeals/appeal-forms and select the applicable state. Request can be submitted online or downloaded and printed to submit separately.
    • Mail: Send completed paper form or a letter requesting an appeal. Include your name, address, and the reason for the appeal. Mail to: Health Insurance Marketplace, ATTN: Appeals, 465 Industrial Blvd, London, KY, 40750-0061.
    • Fax: Fax paper form or letter requesting an appeal to 877-369-0130

    Key Terms

    Premium - It’s easy to think of your premium as your monthly bill. Every month, you pay a premium to a health insurance company in order to access a health insurance plan. As we’ll get into in a second, while your monthly premium may be how much you pay for health insurance, it’s not equivalent to how much you pay on health care services. In fact, choosing a plan with lower premiums will likely mean that you’ll pay more out-of-pocket if you need to see a doctor.

    Deductible - A deductible is how much you need to pay for health care services out-of-pocket before your health insurance kicks in. In most plans, once you pay your deductible, you'll still need to pay co-pays and coinsurance until you hit the out-of-pocket max, after which the plan pays for 100% of services. Plans with lower premiums tend to have higher deductibles.

    Note that the deductible and out-of-pocket maximum describe two different concepts: the deductible is how much you’ll pay for a covered procedure before your insurance starts to pay, and the out-of-pocket maximum is the total amount you’ll pay for care including the deductible.

    Co-payment - Often referred to as "copay," is a fixed amount that you pay for a specific service or prescription medication. Co-payments are one of the ways that health insurers will split costs with you after you hit your deductible. In addition to that, you may have co-payments on specific services before you hit your deductible. For example, many health insurance plans will have co-payments for doctor's visits and prescription drugs before you hit your deductible. You will pay co-payments until you hit your maximum out-of-pocket amount.

    Coinsurance - Coinsurance is another way that health insurers will split costs with you. Unlike a co-payment, coinsurance isn't a fixed cost. It's a percentage of the cost that you pay for covered services. For example, if you have a coinsurance of 20%, you'll pay 20% of the cost of covered services until you reach your out-of-pocket maximum.

    Maximum out-of-pocket amount - The maximum out-of-pocket amount, also called the out-of-pocket limit, is the most you’d ever have to pay for covered health care services in a year. Payments made towards your deductible, as well as any co-payments and coinsurance payments, go toward your out-of-pocket limit. Monthly premiums do not count.

    Note that the maximum out-of-pocket is a consumer protection enacted under the ACA; previously plans didn’t have to cap what a person would be required to spend on health care services. This often meant that insured people who had to undergo very expensive treatments (e.g., for cancer or lifesaving surgery) could face unlimited medical bills.

    Types of Plans

    Health Maintenance Organization (HMO) - HMO plans are the most restrictive type of plan when it comes to accessing your network of providers. If you have an HMO plan, you’ll be asked to choose a primary care physician (PCP) that is in-network. All of your care will be coordinated by your PCP, and you’ll need a referral from your PCP to see a specialist. HMOs do not cover any out-of-network health care costs. HMO plans typically have cheaper premiums than other types of private health insurance plans.

    Preferred Provider Organization (PPO) - PPO plans are the least restrictive type of plan when it comes to accessing your network of providers and getting care from outside the plan’s network. Typically, you have the option between choosing between an in-network doctor, who can you see at a lower cost, or an out-of-network doctor at a higher cost. You do not need a referral to see a specialist, though you may still choose a primary care physician (some states, like California, may require that you have a primary care physician). PPO plans typically have more expensive premiums than other types of private health insurance plans.

    Exclusive Provider Organization (EPO) - EPO plans are a mix between HMO plans and PPO plans. EPO plans give you the option of seeing a specialist without a referral. However, EPO plans do not cover out-of-network physicians. EPO plans typically have more expensive premiums than HMOs, but less expensive premiums than PPOs.

    Point of Service (POS) - POS plans are another hybrid of HMO and PPO plans. You’ll have a primary care provider on an HMO-style network that can coordinate your care. You’ll also have access to a PPO-style network with out-of-network options (albeit at a higher cost). The HMO network will be more affordable, and you will need to get a referral to see HMO specialists. POS plans typically have more expensive premiums than pure HMOs, but less expensive premiums than PPOs.

    On-Exchange Plans vs. Off-Exchange Plans

    On-Exchange Plans are health insurance plans purchased through a state or federal marketplace exchange. Off-exchange plans are purchased directly from health insurance carriers. On-Exchange plans are also known as Affordable Care Act (ACA) or Obamacare plans. Off-exchange plans are often referred to as short-term medical plans. Below is a comparison of some of the differences between the two types of insurance plans:

    Enrollment Period - ACA plans can only be enrolled during the Open Enrollment Period from November 1st through December 15th. Short-term plans can be enrolled in at anytime.

    Tax Credit Eligibility - Depending on income, ACA plans are potentially eligible for tax credits, while short-term plans are not.

    Premium Cost - Unless you are receiving a tax credit for an ACA plan, premiums are typically cheaper on short-term plans.

    Coverages - Under the Affordable Care Act, a set of 10 categories of medical service must be covered on all ACA plans. Short-term plans are not required to cover specific medical services.

    Underwriting - There is no medical underwriting on ACA plans. Carriers cannot deny coverage, charge higher premiums, or exclude pre-existing coverages from plans. Short-term plans do require medical underwriting. Carriers can deny applications for coverage on short-term plans. Typically carriers will exclude treatment for pre-existing conditions on new policies for a specified period of time.

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    Ancillary Insurance

    Also known as Supplemental insurance, Ancillary Insurance policies are used to enhance existing insurance benefits and cover gaps not covered by typical insurance policies. We offer a large variety of Ancillary insurance products including, but not limited to, individual and group dental/vision, accident, cancer, heart attack and stroke, hospital stays, and short and long term care. If you are looking for additional coverage, we can help you select a policy that is right for you.

    Ancillary Insurance Products Offered

    Dental - Dental insurance is an insurance product designed to help you pay for dental care. Many dental plans are structured similarly to health insurance plans: there are dental HMOs and PPOs, for example. Dental plans are relatively inexpensive. Even the most robust plans on the marketplace tap out at around $30 per month for an individual.

    Vision/Hearing - Vision/hearing insurance is, you know, for your eyes and ears . It’s designed to help people pay the costs of regular eye/ear exams, eyeglasses, contact lenses, and hearing aids. Major surgeries that are medically necessary, such as cataract surgery, are usually covered by health insurance plans. Elective vision-corrective surgery may be covered by a vision insurance plan. Vision/hearing insurance plans usually cost around the same as dental insurance plans. Note that vision/hearing insurance is typically included in health insurance plans for children under the age of 18.

    Critical Illness - Critical Illness insurance is a type of insurance product that helps you pay for expensive illnesses that impact you and your ability to earn money for multiple years. Cancer, heart attack, and stroke are three diseases that a critical illness insurance policy may cover. Each critical illness policy has its own list of illnesses that it will cover. If you are diagnosed with one of these illnesses while you’re a policyholder, your insurer will typically pay you a lump sum cash payment. Critical illness riders are often available on life insurance policies, as well. They are attached to your life insurance policy for less money than a separate critical illness plan.

    Hospital Indemnity - Hospital Indemnity insurance is coverage you can add to your existing health insurance plan. This form of supplemental insurance pays you a predetermined benefit amount per day for each hospital confinement. They usually pay you this daily benefit amount for up to a year. The coverage your hospital indemnity insurance provides will depend on your plan choice. In general, most plans only cover confinement to hospitals (with or without surgery), Intensive Care Units (ICU), or Critical Care Units (CCU). However, there are plans that cover even more. Some hospital indemnity coverage also includes:

    • Outpatient surgery
    • Continuous care
    • Outpatient X-rays and laboratory procedures
    • Outpatient diagnostic imaging procedures
    • Ambulances
    • Emergency rooms
    • Physician office visits

    Short-term Care - Short-term care insurance covers the costs associated with temporary medical aftercare following a surgery, injury, illness, or other medical condition that is expected to improve. Services typically last several weeks or a few months, or sometimes longer depending on the severity of the condition being treated. Short-term care is goal-oriented and for patients in need of rehabilitation services. Short-term care aims to return them home as soon as medically possible. Physical therapy is designed to relieve pain, restore function and enhance health, while providing individualized treatment programs that can be continued at home. Occupational therapy strives to equip patients with the necessary skills and tools for proper self-care, such as dressing, personal hygiene, and cooking. In addition to wound care, the dispensing of medication, and rehab services, skilled nursing facilities also offer custodial care. Skilled nursing professionals help patients with dressing, bathing, using the restroom, eating, and mobility until the patient recovers their independence.

    Long-term Care - Long-term care insurance covers the costs of care, such as skilled nursing services, for much longer periods of time or permanently. The coverage pays for long-term care for seniors, or others with chronic or progressive medical conditions, such as Parkinson's disease, permanent disabilities, dementia, or a debilitating stroke, especially when the level of care exceeds what loved ones can provide on their own. Skilled nursing facilities are staffed 24/7 by medical professionals trained to deal with any health issues that might arise, giving loved ones and patients peace of mind. Long-term care offers comprehensive treatment. It involves medical, therapeutic, and personal care services for those with physical or mental conditions that limit their ability to function independently. In addition to addressing medical needs, skilled nursing facility staff can assist with custodial care such as personal hygiene, eating, and getting in and out of beds and chairs. While rehabilitation services such as physical or occupational therapy are the cornerstones of short-term care, they are also offered to patients receiving long-term care in order to relieve pain and discomfort, and improve mobility and functionality as much as possible. Long-term care includes a variety of amenities, as well. Because long-term patients may spend years in skilled nursing facilities, many places offer a variety of amenities to make the facility a "home away from home." Such amenities include fun social activities, salon services, local transportation services, financial management, and supportive services to address the psychological and emotional needs of patients and their loved ones.

    Home Care - Home care insurance pays for in-home care by a home care professional or a qualified staff member of a licensed home health care agency. The majority of people are most comfortable in their own environment where they feel safe and close to the things they love, and home care is the long-term care option that promotes the individual's independence and ability to continue with the normal, daily routine as long as possible. The goal of home care is to provide in-home care for those who need it, and to allow an individual to remain living at home as long as possible, regardless of age or disability. Home care services cover a wide range of needs, from homemaking and companionship to meal preparation and medication reminders. They may also include personal care services, or those that help with the activities of daily living, including home care services like bathing, dressing, and grooming. To promote a safe and functional lifestyle, a caregiver can help you brush your teeth, secure the buttons on your shirt, or stand-by while you bathe to make sure you do not fall. Often, skilled services that utilize the expertise of a nurse may also be grouped within the home care category. Services include checking vital signs, coordinating with doctors and other healthcare professionals working with the individual, and performing comprehensive evaluations of health and community needs to keep individuals safe at home. As a rule, skilled nursing services are provided by home health agencies; often your home care agency will be associated with home health agencies in your area that can provide a higher level of care through nursing in the home when those services become necessary. However, home care can be a highly effective interim solution for individuals who are not sick enough to need nursing services but just need a little help to stay safe and independent in their homes.

    Long-term Care - Telemedicine, also called virtual care, refers to medical or mental health advice or treatment provided by phone, mobile app or online video. Busy work schedules, late-night health surprises, and long trips to the nearest medical office can delay access to care. So can the stigma around some mental health conditions. More recently, people postponed routine visits because of COVID-19. If you haven’t used telemedicine before, you may be wondering how it works. Below are some details about why to use the service as well as what kind of care to expect:

    • Talk to high-quality family doctors and therapists. Physicians are all board-certified and state-licensed.
    • You don’t need any special technology or skills. If you can use a regular phone, you can use telemedicine. Some services also offer video consults through a mobile app or desktop computer.
    • Virtual doctors can prescribe most medication. Prescriptions can be picked up at your choice of pharmacy across the country. Some pharmacies even offer free delivery.
    • Telehealth doctors can diagnose and treat a wide range of conditions: They can diagnose and treat cold and flu symptoms, allergies, bronchitis, sinus infections, rashes, pinkeye (in kids and adults), arthritis flare-ups, anxiety and depression, among others.
    • Some illnesses and injuries require an in-office visit. For serious problems, you should go directly to your local urgent care center or emergency room. That’s true of broken bones, head injuries, severe burns, chest pain and vomiting blood as well as emergency mental health needs.

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    Group Benefits

    Group benefits don't just benefit members or employees. There are huge advantages to groups and employers that offer group benefits as well. Some of the advantages include improved morale, attracting better qualified members and employees, a healthy workforce, and tax advantages. Contact us today for benefit solutions tailored specifically to your organization.

    Group Benefits Offered

    Group Life Insurance - Protect employees and their families from the unexpected with low-cost term insurance.

    Group Health Insurance - Group health plans typically offer lower premiums than individual coverage. Premiums are paid with pre-tax dollars, which lowers employee tax burdens.

    Group Ancillary Insurance - Gap coverage options for employees include dental, vision, & hearing insurance.

    Group Disability - Provides partial payment of an employee's income in the event of a major illness, accident, or sickness of the employee.

    Group Accident - Provides comprehensive coverage for all expenses incurred due to accident of an employee.

    Group Accidental Death & Dismemberment - Provides a death benefit to the family of employees that are killed in an accident.

    Group Critical Illness - Lump sum benefit paid to employees upon diagnosis of a critical illness, such as heart attack, cancer, or stroke.

    Health Savings Accounts (HSAs) - Open a savings account with pre-tax dollars that can be used for qualified medical expenses when paired with a qualified high-deductible health plan.

    Health Matching Accounts (HMRAs) - Open a savings account that can be used for qualified medical expenses when paired with a HRA (Health Reimbursement Arrangement). The plan matches contributions, on average, dollar-for-dollar over the course of three years.

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    Retirement Income Protection

    How much of your retirement do you feel comfortable losing during the next economic downturn? If the answer is none, let us help you protect those retirement assets. We specialize in protecting your principle when the market is down, while also helping you earn generous returns when the market is up. Retirement should be an opportunity to live your best life. Don't spend it on a modest income or become a financial burden to your family. Let Couvillier Advisors help you enjoy a stress-free retirement so you can be free to do whatever you want.

    What is a Fixed Index Annuity?

    A Fixed Index Annuity is retirement income protection, a way to protect your retirement savings from market losses. Annuities are a great alternative to equity-based investments such as 401Ks, stocks, and mutual funds. They allow you to still participate in the stock market, while protecting your principle. Annuities are tax deferred, meaning the money will accumulate without you having to pay tax on the gains until the money is withdrawn in the future. Tax deferral can be a huge benefit. Annuities also avoid the costs & delays of probate, giving your loved ones access to the funds quickly when you pass away, if you haven't used all of the cash value during retirement.

    How Does a Fixed Index Annuity Work?

    A fixed index annuity provides steady payments that are based on the performance of an underlying index. Fixed index annuities offer some of the upside of investing in index funds by tracking certain indexes, such as the S&P 500, the Nasdaq, the Russell 2000 or the Hang Seng. Unlike index funds, fixed index annuities are generally protected against loss of principal. This means you won’t lose any of the money you put into a fixed index annuity. This protection against losses, however, comes at a cost. You won’t receive the exact return of the market index. Instead, the annuity will limit both your potential gains and your losses.

    Annuity Terms You Should Know

    Loss Floor - A fixed index annuity limits your losses, even in a bad year for the market. It’s common for the floor to be 0%, so worst case you just break even in a downturn.

    Minimum Return - A fixed index annuity might pay a small guaranteed interest rate or return, so no matter how the market index performs you earn at least some money. For example, an annuity may guarantee a minimum return of 0.25%. This means even if the index goes down for the year, you'll still earn 0.25% interest for that year.

    Adjusted Value - Your fixed index annuity could use an adjusted value method to protect against losses. This means the annuity company would periodically adjust the minimum value of your contract based on the returns you’ve already earned. This locks in your gains so you can no longer fall below this threshold.

    Return Cap - Your annuity company could also set a limit to your gains. For example, it might say that no matter how high the index return, the most your balance could grow in a good year is 5%.

    Participation Rate - Your annuity company may choose to limit your gains through a participation rate. The participation rate is the percentage of your money that’s actually eligible to earn market returns. For example, if the participation rate is 50%, you would receive half of the index’s returns. If the market index return is 8%, your balance would only grow by 4%.

    Spread/margin/asset fee - Your annuity company could also deduct a spread/margin/asset fee from your return each year. If their fee is 3% and your return is 8%, your money would only grow by 5%.

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    Debt Relief

    Having trouble paying back credit cards, loans, or other unsecured debts? When paying off debt feels hopeless, it creates stress, relationships suffer, and other areas of one’s life can be negatively affected. The great news is that your situation can be solved with proper debt relief help. If you’re tired of paying minimum payments and barely putting in dent in what you owe, or tired of getting calls from creditors, or if you need a solution to pay back the lowest legal amount possible, then you need to take action with a debt relief program as quickly as possible. Contact us today for more information.

    Debt Relief

    What is Debt Relief? - Debt relief is any method or process that helps you reduce or eliminate your debt. Methods like debt settlement, consolidation, credit counseling, and bankruptcy all impact your finances differently. For example, a debt settlement company can negotiate and settle unsecured debts on your behalf so you end up paying much less than what you owe.

    Who qualifies for debt relief? - Accredited Debt Relief has helped many individuals find the right solution for their debt. For example, if you have $10,000 or more in unsecured debt and want to significantly reduce your monthly payments without declaring bankruptcy, our debt relief program might be right for you.

    Will debt relief hurt my credit? - Debt relief can affect your credit score, but the drop is temporary. Once your debts are resolved, your score should improve. The type of debt relief you choose will determine the impact to your credit score. For example, if you choose our debt relief program your score should improve faster than it would if you choose bankruptcy.

    How Does Debt Relief Work? - Debt comes in all shapes and sizes, so having many different debt relief options is a great way to make sure that you get the help you need. While your individual situation will help determine what method is best for you, all methods will focus on the goal of reducing or eliminating debt. Debt relief takes a variable amount of time depending on which program you choose. For example, if you choose debt settlement, it can take 12 to 48 months to settle your debt. Using this method, your certified debt specialist will help you create a plan that includes making regular deposits into a dedicated account for a specified length of time. The amount and frequency of these payments will help determine how long it takes for your debt to be settled.

    Debt Consolidation

    What is Debt Consolidation? - Debt consolidation is the debt relief strategy of combining multiple debt obligations into one monthly payment to simplify the repayment process for credit cards, loans, and other bills. Consolidating debts can help streamline your payments and make managing your debt less overwhelming.

    How Does Debt Consolidation Work? - Consolidation is usually done using one of three methods:

  • Debt Consolidation Loans: By using the money gained from a loan, you can quickly pay off multiple debts and instead focus on one monthly payment. This method is better for people with a healthy credit score, as a lower score could lead to a high loan interest rate.
  • Credit Card Balance Transfers: The process of a balance transfer involves applying and being approved for a new credit card with low rates for balance transfers. This low interest rate is almost always an introductory rate, so make sure you read the fine print on any credit card applications to see how long the introductory rate lasts. Some credit cards even offer 0% interest rates for an introductory period on new cards.
  • Consolidate Debts Through a Debt Relief Company: In addition to combining multiple debt obligations into a single monthly payment, one of the perks to working with debt relief companies is receiving help from debt relief specialists. The debt relief specialists are there to guide you on your debt relief journey while a team of negotiators work directly with your creditors on your behalf to negotiate settlements and potentially lower the amount that you originally owed.
  • Benefits of Consolidation

  • Simplify Payments: By merging your multiple debts into one, you reduce the number of payments, due dates, and account logins you have to remember. Having one convenient and simple monthly payment may help reduce the risk of missing a payment.
  • Make Debt More Manageable: If you’re feeling overwhelmed because of multiple debts and multiple creditors, consolidating may make your debt seem more manageable. This may potentially help motivate you to stick to your plan and pay down your debt.
  • Creates an End Date: Depending on your consolidation program, you may have a set end date in sight for your debt which could lead to paying down debts sooner. It could take decades to pay off debt when paying the minimum payment, and continually accruing more interest, costs and fees onto your balance.
  • Potential Interest Savings: Many debt consolidation plans give you the potential to save on the interest costs of your debt through 0% introductory credit cards, lower interest rates on a loan, or by a debt relief company helping you settle the debts for less than the full balance owed.
  • Possible Lower Monthly Payment: Depending on the terms of your plan to consolidate debt, you could potentially wind up with a lower monthly payment than before consolidating.
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    Debt/Tax Relief

    To learn more about Debt Relief, click here.

    To learn more about Tax Relief, click here.

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    Tax Relief

    Are you currently in a situation where state authorities, or the IRS, are demanding money from you? Regardless of whether you feel that the money is actually owed or not, there are a number of different solutions. Having a professional tax resolution company solve tax issues usually gets better results than an individual, or even an individual tax professional, handling it on their own. Contact us for a free consultation today.

    Tax Issues We Can Help With:

  • Unpaid Taxes
  • Business Taxes
  • Personal Taxes
  • Trust Fund Penalties
  • Tax Penalties
  • Wage Garnishments
  • Tax Liens
  • Audits
  • FBAR Issues
  • Foreign Corporation Issues
  • IRA Rollover Issues
  • Complex Tax Issues
  • Possible Solutions To Your Tax Debt

    The IRS is one of the most powerful collection agencies in the world and has numerous powerful tactics that they use to collect tax debt. Taxpayers will be relieved to know that they also have a number of options to resolve their tax debts. Below are some of the tax debt relief options to get a solution in place:

    1) Offer in Compromise (OIC) - An Offer in Compromise or OIC is an agreement between the IRS and a taxpayer that would effectively resolve the tax liability for a reduced amount. The IRS accepts less than full payment under special circumstances. These circumstances could be one or more of the following:

  • Doubt as to what the tax liability is. There must be a genuine dispute as to the amount owed.
  • Doubt as to whether the taxpayer could ever pay. This is based on the taxpayer’s value of assets versus the full tax liability.
  • 2) Installment Agreements (IA) - In most cases, taxpayers who owe large tax debt are unable to pay a lump sum to settle their debt. An Installment Agreement can provide the taxpayer the opportunity to make a payment towards their tax debt in smaller, more manageable amounts. It is important to review other options because there may be better solutions than a payment plan. The ideal payment plan would be a Partial Payment Plan agreement where a low amount is paid monthly and the debt expires due to the statute of limitations for collections. There is a Fresh Start Payment Plan typically available for up to $50,000 of tax debt where installments are made over 72 months. Another type of agreement is a full payment installment agreement which is an agreement between the IRS and the taxpayer to pay the full amount over a period of time, usually 10 years or less. A few different installment agreement options are available:

  • Streamline Installment Agreement (SIA)
  • Complex Installment Agreement (CIA)
  • Staggered Installment Agreement (SIA)
  • 3) Penalty Abatements (PA) - Penalty abatements are typically available to first-time taxpayers. This is usually tied to an installment agreement. It is not possible to abate interest unless interest is on the abated penalties. Penalties can only be abated if the debt is paid in full or paid in full through monthly installments. Taxpayers must show just cause as well as show due diligence in resolving debt and being compliant.

    4) Currently-Non-Collectible (CNC) - If the taxpayer is experiencing extreme conditions such as economic or personal hardship where expenses exceed income, then this may be taken into account by the IRS to halt collections.

    5) Collection Statute Expiration Date (CSED) - The IRS applies an expiration date that the tax debt must be collected by. This is usually 10 years from the day after the date of assessment. This statute expiration ends the government’s right to continue the collection of the liability.

    6) Tax Lien Subordination - Tax lien subordination is used to get money out of an asset to pay tax debt owed.

    7) Custom Solutions - CuraDebt Tax has an extensive amount of experience providing custom tax solutions to resolve different tax issues. If you have a situation, even if not listed above, we are likely able to help you (and have probably helped many others with the same or very similar scenario).

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    College Savings Plans

    What if you could brighten the future for your loved ones? We make it easier with a smart and secure way to help pay for their college education. With college costs continually rising, paying for higher education is getting even harder. Our College Savings Plans enable you to provide up to $150,000 in financial support per policy and receive a guaranteed payout of the cash accumulation to help pay college expenses. Unlike other college investment plans, it isn’t tied to the stock market, so growth is guaranteed and there are no limitations to how the funds can be used. Plan to be a hero today as you support their dreams for tomorrow.

    *Important Note - These plans are not considered 529 plans. All 529 plans are issued and administered by the states. Please contact the department in your state for more information on 529 plans.

    Features and Benefits

    You choose the duration and amount of the policy — Individuals who are U.S. Citizens or permanent legal residents from 18 to 75 years old can apply for $10,000 up to $150,000 per policy with a cap of $500,000 (in total for all policies) per insured. Maturities range from 10- to 20-year durations.

    The plan offers the opportunity for a guaranteed payout for each college year — One of the most unique features of the College Savings Plan is that you can purchase either one policy or up to four additional policies (one each consecutive year) not to exceed a total cumulative $500,000 accumulation for all policies per insured. This layering method is an economical way to spread the cost over multiple years, and enables you to have a guaranteed payout each year to align when college expenses are due.

    Your premiums never increase — Your premiums are guaranteed, which means you’ll never pay a penny more as long as all payments are made on time.

    You choose how you want to pay — Premiums can be paid annually, semi-annually, quarterly, monthly or as a single premium.

    You enjoy the flexibility to use the guaranteed payout any way you’d like — Unlike a 529 Plan, there are no restrictions to how the money can be used, whether it’s for college, trade school, to supplement retirement savings, or for any other savings need or goal.

    Cash accumulation is guaranteed with no stock market risk — The College Plan guarantees that when the policy matures, you will receive a check for the full accumulation amount.

    A death benefit is included — The College Plan provides death benefit protection, which is a unique feature not typically found in other college savings plans and bank CDs. If the policy owner passes away prematurely, the full guaranteed accumulation amount is paid as a death benefit.

    Applying is Simple

    Decisions are made in a timely manner — Our streamlined application makes the process smooth and easy.

    No medical exam is required — In most cases, there are no medical exams; however, you will be required to answer a few simple questions about your health and medical history.

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    Rx Discount Card

    Most of us are aware, drugs cost too much! Our FREE Prescription Discount Card provides substantial savings on Brand & Generic medications. Use this card if your insurance plan doesn't cover all of your medications. Also, discounts are often greater through our prescription discount card than they are through your health insurance. You can also use our card to save money on your pet's prescriptions. Just click on the "Sign Up For Free Card" button below. When you search your first prescription, you will be prompted to register for your card and we will email it to you immediately after you complete your registration.

    What the Card Does

    Patient RX Discount is a discount program designed to cut the cost of prescription drugs. All prescription medication that is approved by the FDA is covered and can be used for generic and brand name medications. You can use your prescription discount card as many times as you need.

    Features include:

  • Save up to 85% off each FDA approved drug at 60,000 pharmacies nationwide.
  • No pre-qualifications, no forms, and it never expires!
  • Works great when in the Medicare donut hole, or if your medications aren't covered on your current plan.
  • Can also be used to fill prescriptions for your pets!
  • What if I Have Insurance?

    Anyone can use the card, but it can’t be combined with insurance. You can use the card instead of insurance if:

  • A drug isn’t covered by your insurance
  • Your insurance has no drug coverage
  • You have a high drug deductible
  • You have met a low medicine cap
  • The card offers a better price than your copay
  • You are in the Medicare Part D exceptions
  • Can also be used for pet prescriptions
  • What Drugs are Covered?

    By clicking here, you can search your medications to see if they are covered. It will also provide you with the price at local pharmacies in your area. You’ll save on most prescriptions, but not all. The card is valid for prescription drugs, over-the-counter medicines, medical supplies (if you have a written prescription), as well as pet prescription medicines purchased at a pharmacy. It is accepted at thousands of pharmacies everywhere, including CVS, Walmart, Walgreens, Rite Aid, Target, Costco, Good Neighbor, Giant Eagle, Safeway, Meijer, Winn-Dixie, Kroger, Pathmark, Wegmans, plus over 60,000 more.

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    Additional Services

    To learn more about College Savings Plans, click here.

    To learn more about our Rx Discount Program, click here.

    To learn more about our Benefits Packages, click here.

    To learn more about our Financial Counseling services, click here.

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    Benefits Package

    Save time, money, & worry. Our benefits packages help to reduce your healthcare and lifestyle expenses by providing discounts on select services. This program is designed to provide the tools, technology, and benefit solutions to make your life easier and keep you and your family healthy and happy. Three benefit packages to choose from. Just pick the one that best fits your family's needs.

    Choose Your Benefits Package

    Basic PackageStandard PackagePremium Package
    Telemedicine ($0 Visit Fee)Telemedicine ($0 Visit Fee)Telemedicine ($0 Visit Fee)
    VisionVisionVision
    DentalDentalDental
    Retail & Mail Order PharmacyRetail & Mail Order PharmacyRetail & Mail Order Pharmacy
    Counseling ServicesCounseling ServicesCounseling Services
    Financial WellnessFinancial WellnessFinancial Wellness
    Hearing Aids
    Hearing AidsHearing Aids
    Diabetic SuppliesDiabetic Supplies
    Diabetic Supplies
    VitaminsVitamins
    Vitamins
    MRI & CT ScansMRI & CT Scans
    MRI & CT Scans
    Lab TestingLab TestingLab Testing

    Teladoc Behavioral HealthTeladoc Behavioral Health

    Health Advocate SolutionsHealth Advocate Solutions

    Doctors OnlineDoctors Online

    Alternative MedicineAlternative

    Caregiver SupportCaregiver Support

    Fertility AdvocacyFertility Advocacy

    Global Travel AssistanceGlobal Travel Assistance

    Pet CarePet Care


    Roadside Assistance


    Lifelock Standard


    LawAssure Enhanced


    Instant Merchant Deals


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    Financial Counseling

    Do you need to fix your credit and don't know where to start? Are you struggling to get a handle on paying your bills each month? How much money should you be putting from your paycheck into savings? If you need help with understanding the basics of finance, our experts at Couvillier Advisors are here to help.

    Financial Counseling Services Offered

    Credit repair - We provide credit counseling by helping clients learn how to pull their credit, interpret and understand their credit report, and improve their credit score. We also offer debt settlement and consolidation programs to assist clients in resolving debt issues.

    Creating a budget - We work with clients to create a budget and help them get a better understanding of their income and expenses and set savings goals.

    Calculating Net Worth - We work with clients to help them determine their net worth and ensure that they are trending in the right direction.

    Account research - Our experts can assist with account reconciliation, organizing accounts, and other account research related issues. Note: We do not currently offer bookkeeping services.

    Finance 101 - Need help starting your financial journey? We're here to help. For everything from learning about checking and savings accounts, Certificates of Deposits (CDS), and credit cards, to the different types of loans that are available to you, we can help.

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