MedicareAnswersUSA.com

Ted Schmidt, Independent Insurance Broker

About Ted

We specialize in Medicare Supplements and Advantage Plans, and are licensed in Florida, North Carolina, South Carolina, Georgia, New York, New Jersey, California, Arizona, Pennsylvania, Tennessee, New Hampshire, Texas and Ohio. The founder of our agency, Ted Schmidt, graduated from the University of Florida with a degree in Finance, and has been helping people with their financial and insurance needs for over 20 years. In addition to Medicare products, we are also Certified to assist you with an Affordable Care Act plan and help you determine if you are eligible for a Federal Subsidy which will lower your monthly premium. It is our goal for you to fully understand your coverage. As independent agents we can help you choose the plan that is most cost effective for your personal needs. There is no charge for our services as we are compensated directly by the insurance company, and by law you will not be able to find the same plan anywhere else for less. We pledge that if we are not available when you call, we will get back to you with an answer to your question in less than 24 hours. Give us a call today: Nationwide Toll Free 800-972-1108 • Florida 772-532-4290 • North Carolina 828-279-2732

Ted can help you with...

  • Medicare

    In the United States, Medicare is a national social insurance program, administered by the U.S. federal government since 1965, that guarantees access to health insurance for Americans ages 65 and older and younger people with disabilities as well as people with end stage renal disease (Medicare.gov, 2012) and persons with Lou Gehrig’s Disease.

  • Health

    Health insurance is insurance against the risk of incurring medical expenses among individuals. By estimating the overall risk of health care and health system expenses among a targeted group, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to ensure that money is available to pay for the health care benefits specified in the insurance agreement.

  • Life Insurance

    Life insurance is a contract between an insured (insurance policy holder) and an insurer, where the insurer promises to pay a designated beneficiary a sum of money (the "benefits") upon the death of the insured person. Depending on the contract, other events such as terminal illness or critical illness may also trigger payment. The policy holder typically pays a premium, either regularly or as a lump sum. Other expenses (such as funeral expenses) are also sometimes included in the benefits.

  • Final Expense

    Final Expense policies are limited premium payment whole life policies that, although available at almost any age, are usually purchased by older applicants. This type of insurance is designed to cover specific funeral expenses when the insured person dies, which the applicant has designated in a preneed funeral goods & services contract with a funeral home.

  • Long Term Care

    Long-term care insurance (LTC or LTCI), an insurance product sold in the United States, United Kingdom and Canada, helps provide for the cost of long-term care beyond a predetermined period. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

  • Annuities

    In the United States an annuity contract is created when an insured party, usually an individual, pays a life insurance company a single premium that will later be distributed back to the insured party over time. Annuity contracts traditionally provide a guaranteed distribution of income over time, such as via fixed payments, until the death of the person or persons named in the contract or until a final date, whichever comes first.

Contact Ted

Ted Schmidt
Vero Beach, Florida 32960
Highlands, NC 28741

P: 800-972-1108
F: 855-459-6210
tedschmidt@rocketmail.com