Business Details
Trusted Medicare & ACA Insurance Services in Boise, ID
Heaven Sent Insurance, located in Boise, Idaho, has dedicated over two decades to providing comprehensive insurance solutions. Our expertise centers on Idaho Medicare and ACA insurance, complemented by a full range of Life and Health products. We prioritize simplifying the complexities of Medicare, offering personalized guidance to clients new to the system or seeking plan reviews. Our approach emphasizes education, ensuring clients understand how policies align with their unique needs. With a commitment to transparency, we provide ongoing support throughout the policy lifecycle, including assistance with coverage changes, network verification, and prescription drug inquiries.Our team actively engages in community education, hosting events on topics like Social Security optimization and retirement planning. By maintaining partnerships with top-tier carriers, we deliver tailored options for diverse income levels, including Medicaid-eligible plans. Our mission is to ensure clients remain confidently covered with solutions that adapt to evolving healthcare landscapes.
Services
Medicare Advantage Plans
Medicare Supplement Insurance
Part D Prescription Drug Plans
Life Insurance
Annuities
Highlights and features
- We provide personalized insurance consultations tailored to individual needs.
- Our team has 15+ years of specialized Medicare insurance expertise.
- We offer ongoing policy support throughout the entire coverage lifecycle.
- We maintain partnerships with top national insurance carriers.
- We conduct community education on healthcare and retirement planning topics.
Services
Medicare Advantage Plans
Medicare Advantage Plans offer comprehensive coverage through private insurers, combining Part A and B benefits with optional prescription drug coverage. These plans include HMOs, PPOs, and Special Needs Plans tailored to individual healthcare requirements. Our experts help clients evaluate network restrictions, out-of-pocket costs, and additional benefits when selecting appropriate options.
Medicare Supplement Insurance
Medicare Supplement Insurance fills coverage gaps in Original Medicare, covering copayments, coinsurance, and deductibles. Some policies extend to international medical care. We assist clients in comparing standardized Medigap plans to determine optimal supplemental coverage for their specific healthcare needs and financial circumstances.
Part D Prescription Drug Plans
Part D Prescription Drug Plans add medication coverage to Original Medicare and certain Medicare Advantage plans. We help clients analyze formularies, tiered drug costs, and pharmacy networks to select plans that best match their prescription requirements and budgetary constraints.
Life Insurance
We offer term, whole, universal, and final expense life insurance solutions to protect families financially. Our specialists evaluate clients' income replacement needs, estate planning goals, and budget considerations to recommend appropriate coverage types and policy structures.
Annuities
Annuities provide guaranteed income streams through contracts with insurance companies. We help clients assess fixed, variable, and indexed annuity options based on retirement income goals, risk tolerance, and liquidity requirements while explaining associated fees and surrender charges.
People
Kimberly Morlock
Independent Insurance Agent
Kimberly Morlock brings 15 years of insurance expertise to Heaven Sent Insurance. She holds Retirement Income Certified Professional (RICP) designation and actively participates in community education initiatives about healthcare and retirement planning.
Questions
When can I enroll in Medicare if turning 65 this year?
You may begin enrollment 90 days before your 65th birthday month if you meet work-related eligibility requirements.
Does Medicare cover dependent spouses?
No, Medicare is individual coverage. Spouses must enroll separately upon reaching age eligibility.
Can I keep employer coverage after retirement?
Possibly if your employer has 20+ employees, but multiple factors should be considered before deciding.
What happens if I miss Medicare enrollment deadlines?
Late enrollment may result in coverage gaps and penalties up to 10% of Part B premiums or 1% of Part D plan costs.
Do you offer free insurance consultations?
Yes, we provide no-cost consultations to review your situation and recommend appropriate coverage options.
