Insurance for Door and Kewaunee County Autos and Homes for over sixty years!
Key Benefits of Schmitz Insurance
Independent Agent – we’re on YOUR side!
Local “in-person” advice and service. You get to talk to people you know and can see in person.
Choice of Carriers means the right coverage for you at the right price.
Capabilities
We work to find you the best combination of coverage and value for the
coverages appropriate to your situation.
Automobile
Quality coverages, competitive rates, choice of carriers including AAA, National General, Integrity, 1st Auto, The Hartford and AARP, Safeco, The Travelers, and Progressive among others. We’ll search the market place for the best plan to meet your needs.
Antique and Collectors Autos
If you have antique collector cars, you will be surprised to know that you can have them covered year round for a very minimal premium if your annual mileage is limited. There is extra coverage for spare parts, lower deductibles, free display signs for auto shows, and agreed amount coverage. Agreed Amount coverage is very important because most standard auto policies only cover the “Actual Cash Value” which means they may pay you less than the antique value of your car. Agreed Amount means they will pay you the full amount you insure it for less any deductible. In general, your vehicle needs to be at least ten years old and increasing in value to qualify. The car should only be used for personal use and shows, not drive to work. The vehicle must be stored in a locked garage when not in use.
Both companies are good. Hagerty offers some extra benefits you may want including club membership, collector car magazine, roadside assistance and flat bed towing (up to 125 miles) and more.
Homeowners
Quality coverages, competitive rates, choice of carriers including Northeastern Mutual, Maple Valley Mutual, AAA, Integrity, Wilson Mutual, The Hartford and AARP, The Travelers among others.
Motorcycle
We can insure your fun too! Carriers include leading writers of motorcycles such as Progressive, Dairyland and AIG.
Boat
From small to large, we can help with a wide variety of carriers to meet your needs.
Health Insurance – Affordable Care Act
You don’t have to go it alone! It costs you nothing to have us take care of everything for you. We know the networks, the plans, and can quickly guide you to the right plan for your needs. You don’t have to deal with the government website or spend hours on the phone waiting. Depending on your income you could save hundreds a month on your premium. Some clients pay no premium at all! There are no medical questions and you can’t be turned down.
Quality coverages, competitive rates, choice of carriers such as Arise,Anthem/Blue Cross, Common Ground, Humana One, Molina, Golden Rule/United Health One and WPS. We feature HSA qualified plans which allow you to put aside money in a tax deductible account and then draw it out tax free for approved medical, dental and vision expenses. Call us for more information or quotes or use the links below start checking rates right now!
Avoid Tax Penalties: For tax year 2017, the penalty will rise to 2.5% of your total household adjusted gross income, or $695 per adult and $347.50 per child, to a maximum of $2,o85. For tax year 2017 and beyond the percentage option will remain the same but the flat fee will adjust for inflation on September 7th.
Use these links to get instant online quotes for Medical Insurance but keep in mind that we do have other companies besides these and that there are many variations in coverage between carriers so it’s best to discuss your needs with us to assure the best fit for your individual situation. We’re on your side!
Click here to Compare ACA Health Plans and Apply.
Common Ground Healthcare Quote
United Healthcare also offers supplemental plans to help cover your deductibles and other out of pocket expenses.
Fill the GAP! The plan below can help cover your out of pocket expense when you take a less expensive “Bronze” plan or even on some “Silver” plans.
Nurse Direct Phone number 877-746-0003 (free access to nurse consultation 24/7 sponsored by Door County Memorial Hospital).
Critical Illness
Important extra cash when you need it most. Cancer is rampant in Door and Kewaunee county. This coverage pays you a lump sum at first diagnosis of cancer, heart attack, stroke and more. Click below for complete details.
Short Tem Medical
Low cost, simplified issue plan for when you may not be eligible for the Affordable Care Act. Maybe you missed the open enrollment period or just couldn’t afford the premium. Much less expensive than COBRA continuation when you are laid off. Use links below or call us for quotes from WPS or United Health Care. Short term plans do not cover pre-existing conditions.
Pivot Short term offers coverage up to one year by allowing you re-apply up to three times with no pre-existing conditions limit from prior terms. Use link below for a quick estimate. Lowest premiums show first but look for “Choice” plans if you like money saving office visit co-pays. Moving up to “Standard” and “Deluxe” add in coverage for drugs while lower plans offer a drug discount card.
IHC plans above offer two levels.
ConnectLite is lowest cost but very limited benefits for some things.
ConnectSTM is the broadest “any doctor” plan with $2 million max up to 1 year
Allied National Short Term. Note dollar limits for certain benefits.
Click here for Allied National Short Term
Individual Dental plan
Dental Insurance – Click here for information
Above link is for stated benefit – ANY DENTIST
Button below is for better benefits but only at network dentists (Green Bay)
Disability
Quality coverages, competitive rates, choice of carriers.
Life
Quality coverages, competitive rates, choice of carriers. We can check rates with several top carriers for an exceptional rate. We also feature a new type of term insurance the comes with a “money back guarantee”! Enjoy coverage for 20 or 30 years and if turns out you didn’t need it, they will refund your money.
Medicare Supplement
Quality coverages, competitive rates, choice of carriers such as GCU, Anthem, United Healthcare, and WPS. We use comparative rating systems so you can make and informed choice as to the best plan for you. We offer traditional supplement plans and assist with Part D enrollment or Wisconsin’s SeniorCare plan. We can also assist with Medicare Advantage Plans.
Long term care (LTC)
Quality coverages, competitive rates, choice of carriers.
We also offer a free, guaranteed issue funeral trust plan with no medical exam. This allows you to set aside money for your funeral and protect it from all creditors and Medicaid. You retain the choice of funeral providers and any excess can be paid to your estate.
Travel Insurance
Your health insurance may not cover you out of the country. Be safe and carry a special travel policy with extra benefits such as lost baggage, emergency evacuation, emergency travel expense to send minors home or get a relative to your side and much more. You can even get coverage in case you have to cancel your trip for some kind of emergency. Trips can be expensive and you never know what can come up.
Medical Insurance for Travel
Geo Blue Quote
Travel Insurance option with Pre Existing coverage
HTH Travel Quote