Explore the insurance carriers we work with to offer you a variety of trusted and reliable options. Our partnerships with these leading companies ensure you receive top-quality coverage tailored to your needs.
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Why Choose Me?
When you choose Larry Ross Insurance, you're not just getting a policy — you're getting a real person who is dedicated to your well-being. I am here to personally guide you through the entire process, from finding the right plan to navigating healthcare when it matters most.
You’ll never be passed off to someone else or lost in a big company. With me, you’ll get the personal attention and local support you deserve — every step of the way.
Local Service
A local agent you can trust, providing personal, face-to-face service when it matters most.
Trusted Support
Backed by Parker Marketing, Larry Ross Insurance can offer you greater resources and reliability.
Expert Guidance
Extensive knowledge and experience to help you navigate your insurance needs with confidence.
Personalized Service
Insurance solutions tailored to meet your specific needs and provide the best possible coverage.
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Fill out the form below and I will reach out to you directly to discuss your needs and help you find the best possible insurance solution.
Fill out the form below and I will reach out to you directly to discuss your needs and help you find the best possible insurance solution.
Ready To Get Started?
Medicare Advantage Plans, sometimes called Part C, are health plan options that are part of the Medicare program. If you join one of these plans, you generally get all your Medicare-covered health care through the Medicare Advantage Plan. This coverage can include prescription drug coverage.
Medicare Advantage Plans Include:-
Medicare Health Maintenance Organization (HMOs)
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Preferred Provider Organizations (PPO)
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Private Fee-for-Service Plans
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Medicare Special Needs Plans
When you join a Medicare Advantage Plan, you use the health insurance card that you get from the plan for your health care. In most of these plans, there generally are extra benefits and lower co-payments than in the Original Medicare Plan. Most Medicare Advantage Plans are managed care plans, usually a health maintenance organization (HMO) or a preferred provider organization (PPO) and you may have to see doctors that belong to the plan or go to certain hospitals to get services.
To join a Medicare Advantage Plan, you must have Medicare Part A and Part B. You will have to pay your monthly Medicare Part B premium to Medicare. In addition, you may have to pay a monthly premium to your Medicare Advantage Plan for the extra benefits that they offer. In 2024, the standard Part B premium amount is $174.70 (or higher depending on your income). However, some people who get Social Security benefits pay less than this amount.
When can I enroll?
Keep in mind that Medicare limits when you can join, switch, or drop a Medicare Advantage Plan. You can join a plan when you first become eligible for Medicare. This is anytime beginning three months before the month you turn 65 and ends three months after the month you turned 65.-
For example, if you turn 65 on May 5, your eligibility period starts on February 1 and ends on August 31.
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If you are disabled and have Social Security Disability Insurance, you can join an advantage plan 3 months before to 3 months after month 25 of your disability.
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You can switch or drop your Medicare Advantage during an enrollment period between October 15 and December 7 of each year.
This information obtained from www.medicare.gov
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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 co-payments, coinsurance, and deductibles. If you have Original Medicare and you buy a Medigap policy, Medicare will pay its share of the Medicare-approved amount for covered health care costs. Your Medigap policy pays its share. A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.
What you need to know about Medicare Supplement policies:
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You must have Medicare Part A and Part B.
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If you have a Medicare Advantage Plan, you can switch to a Medicare Supplement insurance policy, but make sure you can leave the Medicare Advantage Plan before your Medicare Supplement insurance policy begins.
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You pay the private insurance company a monthly premium for your Medicare Supplement insurance policy in addition to the monthly Part B premium that you pay to Medicare.
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A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you'll each have to buy separate policies.
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You can buy a Medicare Supplement insurance policy from any insurance company that's licensed in your state to sell one.
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Any standardized Medicare Supplement insurance policy is guaranteed renewable even if you have health problems. This means the insurance company can't cancel your Medicare Supplement insurance policy as long as you pay the premium.
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Medicare Supplement insurance policies sold after January 1, 2006 aren't allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D).
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It's illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage Plan, unless you're switching back to Original Medicare.
Information obtained from www.medicare.gov
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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.
Part D Prescription Drug Plans
You can sign up for Part D Prescription Drug Plans, which helps cover prescription drug costs, along with other components of Medicare starting three months before your 65th birthday. It's important to do this on time because there's a permanent premium surcharge for enrolling more than three months after your 65th birthday if you don't have equivalent drug coverage from another source, such as a retiree plan.
Let us help you with your enrollment
If you are already enrolled in a Part D "standalone" plan or a Medicare Advantage plan that incorporates drug coverage, you can switch plans during the open-enrollment period, which runs from Oct. 15 to Dec. 7 every year.
Making Part D work
In 2024, you are facing higher out-of-pocket drug costs before you can qualify for catastrophic coverage. The out-of-pocket spending threshold will increase by $600, from $7,400 to $8,000 in 2024.
You will also face higher out-of-pocket costs in 2024 for the deductible and in the initial coverage phase before reaching the catastrophic coverage. The standard deductible is increasing from $505 in 2023 to no more then $545 in 2024, while the initial coverage limit is increasing from 4,660 in 2023 to $5,030 in 2024.
For costs in the coverage gap phase, beneficiaries will pay 25% for both brand-name and generic drugs. Manufacturers provide a 70% discount on brands and plans pay the remaining 5% of costs for brand name drugs. Plans pay the remaining 75% of generic drug costs.
Choosing a plan
It pays to review your Part D coverage every year, especially if you have started taking new drugs.
Start at medicare.gov, where you can find the basics about the benefit and Part D plans. There's a link to the Medicare Part D Plan Finder, which allows you to compare offerings and coverage options in your area and includes a helpful formulary finder that allows you to compare plans based on their coverage of your personalized list of drugs. It will even show you your monthly out-of-pocket drug cost for the year.
This information was obtained from www.medicare.gov
Dental insurance is an important complement to any health insurance plan. We offer simple, flexible dental and vision plans from age 18 and up.
Choosing Dental Coverage
Proper dental care can be an important component of our well being. As with all insurance-related decisions, there are multiple facets that should go into your decision when purchasing coverage for yourself, family, business, or your employees. And, there many types of plans to consider such as a PPO (Preferred Provider Organizations), HMO (Health Maintenance Organization), dental indemnity insurance plans, and discount dental plans.
Why It’s Important
Dental coverage of some kind can help you ensure the health of your teeth and gums. Unfortunately, if you are bearing the full brunt of the cost of dental care you may find it difficult to pay your dentist bills. Without dental insurance coverage, you may be tempted to skip regular cleanings and checkups, a decision that could lead to serious dental health problems.
Types of Dental Insurance Coverage
Similar to medical insurance plans, dental insurance policies are often categorized as either indemnity or managed-care plans. The major differences are concentrated around out-of-pocket costs, choice of dental care providers, and how bills are paid.
Typically, indemnity coverage offers a broader selection of dental care providers than managed-care policies. With an indemnity policy, the carrier pays for covered services only after it receives a bill, which means that you may have to pay up front and then obtain reimbursement from your insurance carrier. Usually, managed-care policies maintain their own dental provider networks. Dentists participating in a network agree to perform services for patients at pre-negotiated rates and usually will submit the claim to the dental insurance company for you.
Basic Dental Insurance Coverage - What's Included?
Understanding what is covered by your dental insurance can be challenging. Coverage differs from policy to policy and from provider to provider. Read the fine print of your policy or agreement to find out what your dental insurance covers. In general, basic dental insurance coverage includes three categories:
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Preventive and diagnostic dental care: Almost all dental plans and dental insurance policies cover basic dental costs that are meant to prevent dental problems. For the policyholder that means, most plans cover a large part or all the dental costs associated with basic services such as cleaning, checkups, and other dental procedures meant to prevent tooth and gum disease. This coverage is important because it encourages people to seek regular dental care, which can prevent more complicated and costly problems.
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Basic dental care and dental procedures: Most dental plans and dental insurance also cover basic dental procedures such as fillings, tooth extractions, fixing chipped teeth, and other such basic procedures. However, basic dental care varies from one provider to another. In general, since providers cover a significant portion of basic dental care, it makes sense to select a dental care insurance provider that covers as many dental care basics and procedures as possible.
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Major dental care: While not all dental insurance plans cover major dental care, some do cover at least a portion of these costs. Major dental care can include procedures such as dental surgery, orthodontics, denture work, and other large, expensive dental procedures. If you will require major dental care at some point in the future you may wish to look for a provider willing to pay for as large a percentage of this type of care as possible.
This is a brief overview of the coverage that can be included in a Dental Insurance policy. You should read a policy thoroughly before purchasing any insurance policy.
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Vision insurance is an important complement to any health insurance plan. We offer simple, flexible dental and vision plans from age 18 and up.
Vision Insurance: Is It Right For You?
It's no surprise that vision insurance is misunderstood by many people. Depending on the reason for the doctor visit – a routine exam or an eye injury – it’s not always clear which doctor to visit.
At its most basic level, vision insurance helps cover the cost of routine eye exams, contact lenses and glasses. Some vision plans also pay for corrective procedures such as laser eye surgery. Additionally, most plans include one pair of glasses or contacts a year.
Which Policy Covers Eye Injury or Disease?
Routine vision exams to optometrists or general ophthalmologists may produce final diagnoses such as nearsightedness, farsightedness or astigmatism. During this exam, the optometrist or general ophthalmologist might detect a problem related to diabetes or some other disease. A medical eye exams may produce a diagnosis such as conjunctivitis (pink eye), a common occurrence among children. Most insurance companies focus on the reason for your visit, so your health insurance probably would not cover a routine eye exam but, a follow up visit to your doctor because of a problem detected during a routine eye exam might very well be covered. Plus, your health insurance probably would cover a doctor visit for an eye disease or eye injury.
What Does Vision Care Insurance Cover?
Vision care insurance usually covers a percentage of the following basic services:
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Yearly eye examination
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Eyeglass lenses
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Eyeglass frames
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Contact lenses
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LASIK and PRK vision correction procedures at a discounted rate
Your specific vision care plan may have a limit, such as annually or every two years on how often it will pay for lenses and frames.
Who Provides Vision Care Services?
Frequently, vision care plans (including those you buy or are provided by your employer) contract with eye care professionals. In some plans, you use a certain eye care provider and receive a discount on the services offered. However, most plans purchased from a vision care insurance company are PPOs (preferred provider organizations) where your eye care is managed by a network of eye care providers. In a PPO, you also can use out-of-network eye providers, but you must pay a greater share of the cost.
Typically, eye care offices and networks include optometrists and general ophthalmologists. Some networks also may include ophthalmologists who perform refractive surgery, and provide LASIK or other vision correction procedures.
Do I Need Vision Care Insurance?
If you or members of your family wear corrective lenses and need periodic eye exams and changes in your eye lens prescription, it may be worthwhile to purchase vision care insurance. If you do not currently wear or need glasses, you may be able to get a periodic eye exam through your regular health insurance plan.
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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.
Why You May Want to Consider Burial Insurance and Final Expense Insurance
People who have lost a member of their family know how difficult loss can be. The emotions are overwhelming. However, often, there isn’t time to grieve because you need to quickly begin to deal with the financial implications.
The cost of a funeral can add up quickly. The last thing you or your family needs is to worry about is if you will be able to cover the funeral expenses. That is why planning ahead is critical.
Burial insurance or final expense insurance is a basic life insurance policy that typically covers people until they reach the age 100. It is an easy insurance to obtain, much simpler than complicated whole life or term policies. Depending on the policy, burial insurance or final expense insurance helps your family cover the expenses of a funeral and potentially other outstanding expenses.
Besides a sense of comfort that a final expense insurance policy can offer, it offers never changing premiums and permanent coverage making it a wise decision for your future.
Expensive funerals
Funeral costs can add up, especially if you consider the:-
Funeral service
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Cemetery plot and headstone
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Cost of casket
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Funeral procession
Miscellaneous Costs
These costs can quickly add up, making burial insurance a smart and pre-emptive decision. Don't make your loved ones worry about costs when the only thing they should worry about is grieving.-
Hospital Indemnity Insurance can provide gap coverage to help offset expenses not covered by your health insurance plan.
Indemnity Plans: A Great Way to Address Gap Costs
Chances are your health insurance plan leaves you with out-of-pocket expenses. Are you covered by a Medicare Advantage with inpatient hospital co-pays? Whether you are covered by individual health insurance, group medical insurance or Medicare, co-pays and deductibles are a reality.
Hospital Indemnity Insurance can provide gap coverage to help offset these expenses. This type of insurance can pay you a daily benefit. The money can be used to help with hospital co-pays or it can be used to help with incidental expenses not covered by your medical insurance.
Some policies may pay you additional benefits beyond inpatient hospital stays. Ambulance trips, skilled nursing facility visits, outpatient surgery and durable medical equipment are just a few of the ancillary benefits available with Hospital Indemnity Policies.
This is a brief overview of the coverage that can be included in an Indemnity Insurance policy. You should read a policy thoroughly before purchasing any insurance policy.
Insurance Carriers
My partnerships with these leading companies ensure that you receive top-quality coverage, tailored to your needs.
Why Choose Me?
When you choose Larry Ross Insurance, you're not just getting a policy — you're getting a real person who is dedicated to your well-being.
I am here to personally guide you through the entire process, from finding the right plan to navigating healthcare when it matters most.
You’ll never be passed off to someone else or lost in a big company. With me, you’ll get the personal attention and local support you deserve — every step of the way.
Local Service
A local agent you can trust, providing personal, face-to-face service when it matters most. Licensed in MS and AL
Trusted Support
Backed by Parker Marketing, Larry Ross Insurance can offer you greater resources and reliability.
Expert Guidance
Extensive knowledge and experience to help you navigate your insurance needs with confidence.
Personalized Service
Insurance solutions tailored to meet your specific needs and provide the best possible coverage.