Coverage for Every Stage of Life.

Finding the right health insurance coverage for yourself or your family can feel overwhelming, but you do not have to navigate it alone. Kim Bradford & Associates, LLC helps individuals and families explore health insurance coverage options that fit their needs, budget, and stage of life. We can assist with Affordable Care Act / ACA-compliant plans available through the Federally Facilitated Marketplace at HealthCare.gov, as well as coverage options available directly through private insurance companies. Whether you live in Ohio, Michigan, or Indiana, we can help you understand enrollment periods, special enrollment qualifications, subsidy eligibility, plan networks, prescription coverage, deductibles, and out-of-pocket costs so you can make an informed decision about your health insurance coverage.

Kim Bradford & Associates, LLC is a licensed, independent insurance agency that helps individuals understand their Medicare coverage options and the enrollment process. We take the time to review your needs, explain available plan types, and help you compare coverage options so you can make an informed decision about the plan that fits your situation. Whether that is:

• Medicare Supplement Insurance/Medigap Plans

• Medicare Advantage Prescription Drug Plans (MAPD)

• Medicare Advantage Plans (MA)

• Prescription Drug Plans (PDP)

Because Medicare needs can vary by individual, our goal is to provide clear guidance, answer your questions, and support you through the enrollment process. We are not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Currently we represent [insert number of organizations] organizations which offer [insert number of plans] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a special enrollment period or you are in your Medicare Initial Election Period. This is a solicitation for insurance.

Providing health insurance for your employees is an important part of supporting your team and your business. Kim Bradford & Associates, LLC works with small businesses throughout Ohio, Michigan, and Indiana to help review small group health insurance options and find coverage solutions that fit your company’s needs and budget. We can assist with comparing plans, explaining benefits, coordinating enrollment, and helping employees better understand their coverage options. Our goal is to make the process easier for business owners while helping provide valuable benefits to their employees.

Standalone or bundled dental plans covering cleanings, major work, and orthodontics for you and your family.

Coverage for eye exams, glasses, and contacts — often bundled with dental for extra savings.

Term and whole life policies sized to protect your family's income, mortgage, and future plans.

Short-term disability insurance is designed to help provide income protection when an illness, injury, or other covered condition prevents you from working for a limited period of time. Depending on the policy, benefits may replace a portion of your income during a short-term disability, helping you manage everyday expenses while you focus on recovery.

Long-term disability insurance is designed to help protect a portion of your income if an illness, injury, or other covered condition prevents you from working for an extended period of time. Depending on the policy, benefits may provide income replacement after an initial waiting period and may continue for a specified period or until a defined age, subject to the terms of the policy.

At Kim Bradford & Associates, LLC, we can help individuals and businesses understand short-term disability coverage, review available options, and determine how this type of protection may fit into an overall financial and employee benefits plan.description

Long-term care insurance is designed to help provide financial support if you need assistance with everyday activities due to aging, illness, injury, or a chronic condition. This type of coverage may help pay for services such as in-home care, assisted living, adult day care, or nursing home care, depending on the policy. At Kim Bradford & Associates, LLC, we help individuals and families understand how long-term care insurance works, what options may be available, and how this coverage can fit into an overall plan to help protect assets and provide peace of mind for the future.

Looking for more specific and specialized coverage? We can also look at supplemental and indemnity benefits like:

• Accident

• Critical Illness

• Hospital Indemnity

• Cancer