Donald Riley 606-269-1255 Justin Dozier 606-670-5766
336 Catalpa Ave • Harrogate , TN 37752

Services

Donald Riley and Justin Dozier have over 31 years of experience in providing individuals with affordable and reliable insurance services. Life, Health, and Group Insurance are a necessity and we can help you pick a plan that is perfect for your specific needs. Medicare Advantage and Part D, annuities, and other supplemental insurance services are also offered, including Medigap and Retiree Insurance. We can help you compare plans and decide on exactly what you need. Continue reading below to learn more.

Life Insurance

Selecting the right Life Insurance can help you and your family maintain a standard of living and be there for you when you need it most. Determining how much Life Insurance you actually need can be a confusing task. We can help you take into consideration all of the important decisions that affect you now and into the future when calculating your Life Insurance coverage needs. Term Life Insurance, Whole Life Insurance, and Universal Life Insurance are all viable options when considering the short-term, your future, and everything in between.

Health Insurance

Donald Riley and Justin Dozier can help you get coverage if you recently lost your benefits, had a life-changing event, or are looking to change plans. We can compare insurance packages and find benefits that fit your budget and accommodate your lifestyle. Determining the health plan that is best for you requires figuring out your individual needs. Our team works closely with you and will discuss various topics to determine your coverage needs, including; medical expenses and healthcare professionals, as well as details like copays, coinsurance, covered prescriptions, and more.

Group Insurance

Group Insurance can provide coverage for your employees, members of an organization, or other large groups of individuals. These specific insurance plans are purchased by companies or organizations and no two plans are the same. Let us help determine what options are best for you! Group members receive insurance services at reduced costs with plans typically requiring 70% participation for the services to be valid. Most plans split premiums between the organization and its members and even allow coverages to be extended to members’ family and/or dependents at an additional cost.

Medicare

There is a variety of Medicare plans to fit your needs. Not exactly sure where to start? Let Donald Riley and Justin Dozier help you out! We can help you compare the most popular plans and choose one that is good for both your health and your wallet. Medicare can be confusing. What exactly is Medicare? How do different packages vary? Do you need to enroll but aren’t sure how to or even where to begin? Give us a call or contact us today and we can give you all of the answers. We can help you find a plan with a premium as low as $0 a month!

If you are unsure about Medicare and the various options available, we are here to provide help! We can help you shed light on the information available and make an informed decision. Our team can also help you with prescription medication copays, lower overall costs, and even help you determine if you qualify for Medicaid. Are you in need of an updated Medicare card? We can even help with that! Veteran benefit questions? Don’t have Part B? We would love to help you out!

Advantages and Supplements

Medicare plans can help cover many medical expenses, but they don’t cover everything. Even with comprehensive insurance plans, there may still be some copayments and deductibles, which can add up over time. To help cover the gaps in your coverage, there are Medicare Advantage plans and Medicare Supplement (Medigap) plans available. These types of insurance packages work alongside your original Medicare plan, helping you cover unforeseen costs and provide you additional benefits. Medicare supplements help cover costs that your original plan doesn’t, such as; prescription drugs, eye appointments, and dental visits. Alternatively, Medicare Advantage plans provide all of the benefits of your original package with certain added bonuses, including additional resources for prescription drugs and other routine health visits.

Get In Touch

Donald Riley and Justin Dozier Insurance Services |
336 Catalpa Ave • Harrogate , TN 37752
Donald Riley 606-269-1255 | Justin Dozier 606-670-5766