Health & Disability

Protecting your health and ability to work are just as important as protecting your physical belongings. The ability to weather a medical crisis or chronic condition profoundly affects your quality of life. Medical bills, loss of income and nursing home or rehab costs are just some of the major issues insurance is designed to address.

It’s a delicate balancing act to adequately cover your risks, while not over-insuring. Our staff of professional risk managers will thoroughly analyze your situation to identify vulnerabilities. They’ll create insurance packages designed to manage your risk effectively and affordably, throughout every stage of your life.

Disability Income

One of your most valuable assets is the ability to work and earn an income. Becoming sick or injured is a threat to your ability to keep bills paid and maintain your standard of living.

  • Replaces lost income if you get sick or suffer an injury that prevents you from working
  • Choose from flat rate or percentage-of-income plans

Long Term Care

Health insurance only goes so far. If you or a family member needs long-term care due to advanced age, extended illness or permanent disability, the costs can be devastating.

  • Protects your assets
  • More control over care decisions
  • Supplements SS or SSI benefits

Medicare Supplements

Medicare provides extensive insurance and medical benefits, but it doesn’t pay all health care costs. Supplemental insurance helps cover what Medicare does not.

  • Medigap and Medicare Advantage plans available.
  • Coverage helps offset non-covered expenses
  • Expert advice to help choose the right coverage

Short-term Medical

These health plans are designed to bridge gaps in coverage for individuals and families in times of transition.

  • Between jobs or health plans
  • Young adult who no longer qualifies for their parent's insurance
  • Early retiree waiting for Medicare

TruScript Prescription Plan ›

TruScript is a membership service that compares and negotiates prescription prices in your area to offer the lowest possible prices to you*. Get exact, up-to-date pricing information as well as expert phone assistance instantly.

  • Over 180 drugs at no cost
  • Save up to 80% on non-formulary drugs

*This discount plan is not "A Medicare Prescription Drug Plan" This is NOT insurance. TruScript is an American Advantage Association membership program. Membership in the TruScript plan entitles members to discounts for certain pharmaceutical supplies, prescription drugs, or medical equipment and supplies offered by providers who have agreed to participate in the discount drug plan. The discount drug plan organization does not pay providers of pharmaceutical supplies, prescription drugs, and medical equipment and supplies provided to plan members. The discount drug plan member is required to pay for all pharmaceutical supplies. Discount Medical Plan Organization: Vantage America Solutions, Inc. 1275 Milwaukee Avenue, Glenview IL 60025 Plan Not Available In: AK, IA, LA, UT, WA

Lake Michigan Insurance Agency is owned by Lake Michigan Credit Union.

The information contained herein is provided solely for general informational purposes and is not intended to be a contract, a solicitation or an offer to sell in connection with any product or service, nor is the information a complete description of all terms, conditions and exclusions applicable to the products and services described.

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