Medicare Advantage
Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.
KAL Benefits specializes in Medicare, Life insurance, and Employee/Employer Benefits
Insuring Michigan and Arizona and licensed in 13 other states
Welcome to our website! We handle all types of personal and business insurance needs. Our firm is staffed by people committed to providing our clients with highly personalized service.
Our Objective is Simple
To identify and help minimize our clients’ exposure to risk. We accomplish this with emphasis on quality coverage, competitive premiums, and overall simplification of insurance matters.
Our Approach is Direct
To analyze our clients’ complete insurance needs, design a responsible protection program, and recommend insurance that is a cost effective insurance strategy designed for your individual situation.
Why choose us?
Where you choose to purchase your insurance protection makes a difference. Two key reasons to choose us over others are:
- Our commitment to customer service.
- Our approach of helping you fit insurance coverage to your needs and not just buy a policy.
We’re proud to serve families and businesses of all sizes for multiple generations. We look forward to the possibility of serving you.
We've got you covered.
Navigating the complex world of insurance can be frustrating. We're here to make it easy and be a resource you can depend on year after year.
Medicare Supplement
A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
Medicare Part D
Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area.
Individual Health Insurance
No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses.
Term Life Insurance
Term life insurance coverage can be relatively easy to comparison shop. It simply covers you in the event that you die before the end of the term for which you are covered.
Retirement Planning
Most financial advisors say you'll need about 70% of your pre-retirement earnings to comfortably maintain your pre-retirement standard of living. If you have average earnings, your Social Security retirement benefits will replace only about 40%.
Dental Insurance
Proper dental care can be an important component of our well being. Dental coverage of some kind can help you ensure the health of your teeth and gums.
Critical Illness
If you are diagnosed with a covered illness like Cancer, Heart Attack, Stroke or Alzheimer’s disease, Critical Illness insurance pays typically pays a lump sum. Additionaly, some policies may pay a monthly cash benefit.
Final Expense
The cost of a funeral can add up quickly. Burial insurance or final expense insurance can help your family cover the expenses of a funeral and potentially other outstanding expenses.
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