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.
We work to find you the best combination of coverage and value for the
coverages appropriate to your situation.
Quality coverages, competitive rates, choice of carriers including AAA, 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. Click here to compare auto quotes on our system!
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 flatbed towing (up to 125 miles), and more.
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.
We can insure your fun too! Carriers include leading writers of motorcycles such as Progressive, Dairyland, and AIG.
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. 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 to start checking rates right now!
Avoid Tax Penalties: For the tax year 2018, 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 $2,085. For the tax year, 2017 and beyond the percentage option will remain the same but the flat fee will adjust for inflation on September 7th. UPDATE – starting in the year 2019 the penalty was repealed.
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!
Quick Tip – if you need free medical advice, you can call “Prevea after hours” at 877-746-0003 to speak to a registered nurse. Cool!
Deductible too high? Click here for The Plan Enhancer Choose an accident plan that most closely matches your deductible to pay you directly for injuries up to the amount selected. A plan with “SIP” will also pay the total specified if you end up in the hospital for a day for sickness. For a lump sum benefit for cancer/heart/stroke, choose a plan with “CHS” in the name.
Info on Medi-Share, Christian Sharing Ministry (not insurance)
Sharing Lives, Faith, and Resources. For thousands of years, Christians have come together to care for each other and carry each other’s burdens. In 1993, a formalized approach to sharing healthcare burdens began with the Medi-Share program. Today, more than 25 years later, the Medi-Share program now serves more than 400,000+ members, with more than $3 billion dollars in medical bills shared and discounted since inception.
Info on Health Values. If you go with Medi-Share(tm) above, we highly recommend pairing it with a Health Values plan. This plan is designed to help cover your “Annual Household Portion” in the event of an accident or critical illness. It can save you a lot of money on other medical bills to like MRI’s, drugs, and access to virtual doctor visits for free.
Nurse Direct Phone number 877-746-0003 (free access to nurse consultation 24/7 sponsored by Door County Memorial Hospital).
With today’s high deductibles and the high incidents of cancer, stroke and heart attacks in our area, you should these supplements to protect yourself!
Extra Cash for Accidents and injuries
Lump Sum Benefit for Critical Illness
Lump Sum Benefit for Cancer/Stroke <-Less expensive limited to cancer, heart and stroke
Short Term 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 the links below or call us for quotes from National General, Pivot, IHC, or Allied. Short term plans do not cover pre-existing conditions. Wisconsin regulation limits you 18 months with one STM carrier, then a 63-day gap. Could insure elsewhere for the 63 days.
Click here for Simple Short Term
Use the link above for the short term that includes unlimited doctor visits with a modest copay ($45 or $50), no networks to worry about, and free access to MD-Live telehealth visits. All plans include $1 Million maximum protection, a choice of deductibles, and either an 80/20 or 50/50 coinsurance.
Click here for Pivot Short Term
Use the link above for a quick estimate. The 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.
National General Short Term
We recommend the $5,000 Deductible 100% plan as it provides $1 million coverage and pays 100% after the annual deductible. It also includes a $50 copay for Urgent Care, so even if you have not met the deductible, you only pay $50 for up to four Urgent Care visits. For even more complete coverage we can add a supplement covering accident medical expenses up to your deductible amount
IHC Short Term
IHC plans above offer two levels. None cover Rx nor snowmobile and ATV riding and limited ambulance benefit. T2 Diabetic pill or diet control OK.
ConnectValue is the lowest cost but very limited benefits for some things (not recommended).
ConnectSTM is $1 Million max and covers at UCR from most items.
ConnectPLUS is the broadest “any doctor” plan with $2 million max up to 1 year and $25,000 pre-existing conditions benefit.
Individual Dental plan
Delta Dental Plans One of the few that have network dentists in Door County. Wisconsin based carrier. From the low cost “Basic” plan to cover just checkups and fillings, the “Clear Plan” with no waiting period, all the way up to the “High” plan that even covers orthodontics for children, you are sure to find a plan to fit your needs and budget.
Manhatten Life ANY DENTIST paid on UCR and includes Dental – Vision – Hearing with benefits up to $3,000 and 80% on MAJOR after two years (60% 1st Year, 70% 2nd Year. No waiting for preventative and basic dental services. Six months wait for glasses and contact, twelve months wait on Major dental and hearing aids. This is the most comprehensive plan we’ve ever seen.
MEDICO Dental (any dentist) For non-network dentists pays based on “usual, customary, and reasonable” fees (UCR).
Dental Insurance – Click here for information
The above link is for a stated benefit – ANY DENTIST
The button below is for better benefits but only at network dentists (Green Bay)
National General Dental Plan (Green Bay Dentists)
IHC Dental Plan
Quality coverages, competitive rates, choice of carriers.
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 & Advantage Plans
Quality coverages, competitive rates, choice of carriers such as GCU, Anthem, United Healthcare, and WPS. We use comparative rating systems so you can make an 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.
If you go with an “Advantage Plan” we highly recommend a hospital indemnity plan to cover the large out-of-pocket these plans have for hospital stays. Use the link below to check rates and apply. The first plan pays $1500 for the first stay and the second one pays $3,000.
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.
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.