Nader Mishreky Independent Insurance Broker

06/17/2025

Any questions about your Medicare Overview please feel free to contact me at 1(248) 835-6051

06/11/2025

🦷 This is One of the Best Dental Insurance Plans in the Country!
Whether you need preventive care or major dental work, we’ve got you covered with affordable, comprehensive, and portable dental insurance — trusted by individuals and families nationwide.

There are four plans to choose from: Premier, Preferred, Standard, and Economy. Each offers different levels of coverage for preventive, basic, and major dental services.
📊 Check out the comparison chart below to see which plan best fits your needs:

06/06/2025

06/05/2025

I can assist you in exploring Affordable Care Act (ACA) health insurance options in Michigan through the Health Insurance Marketplace. You can use your personalized HealthSherpa link: https://www.healthsherpa.com/?_agent_id=nader-mishreky to begin the process. 

📅 Enrollment Periods
• Open Enrollment: Runs annually from November 1 to January 15. Enrollments completed by December 15 take effect on January 1, while those completed between December 16 and January 15 take effect on February 1. 
• Special Enrollment Period (SEP): Outside of Open Enrollment, you may qualify for a SEP if you’ve experienced certain life events, such as losing other health coverage, moving, getting married, or having a baby. 

💰 Financial Assistance

Most Michigan residents are eligible for subsidies to help lower monthly premiums. In 2024, the average premium subsidy in the Michigan Marketplace was $426/month, with subsidy-eligible enrollees paying an average net premium of $98/month after subsidies. 

🏥 Plan Options

For 2025 coverage, ten insurers offer Marketplace plans in Michigan. Carrier participation varies by area, so plan availability may differ based on your location. 

📝 How to Enroll
1. Visit: https://www.healthsherpa.com/?_agent_id=nader-mishreky
2. Enter Your ZIP Code: This will display available plans in your area.
3. Compare Plans: Review the plan options, coverage details, and estimated costs.
4. Apply: Complete the application to enroll in the plan that best fits your needs.

If you need personalized assistance, you can contact Nader Mishreky directly at 248-835-6051. Alternatively, HealthSherpa’s Consumer Advocate Team is available at (855) 772-2663 to help you explore your health coverage options. 

Feel free to reach out if you have any further questions or need assistance with the enrollment process.

Start enrolling faster with HealthSherpa, the largest ACA quoting and enrollment platform for agents and agencies.

05/31/2025

05/31/2025

🏥 Why Consider Chronic Illness Supplemental Insurance?

1. Health Insurance Doesn’t Cover Everything

Even if you have excellent health insurance or Medicare, many chronic illness-related costs fall outside traditional coverage:
• Long-term home health care
• Non-medical assistance (e.g. bathing, dressing)
• Transportation to specialists
• Certain prescription drugs or experimental treatments

Chronic illness supplemental insurance helps bridge that financial gap.

⸻

2. Chronic Conditions Are Common and Costly
• About 6 in 10 adults in the U.S. have a chronic disease (e.g., diabetes, COPD, heart disease).
• Chronic conditions are the leading drivers of healthcare costs in retirement.
• These conditions can progress gradually, leading to mounting expenses over time.

Supplemental insurance can provide cash benefits to help manage those increasing costs without draining your savings.

⸻

3. It Pays You Directly — You Control the Funds

Unlike traditional insurance that pays hospitals or providers, most chronic illness policies:
• Pay you directly in cash after diagnosis or upon meeting certain health criteria.
• You can use the money any way you choose — medical care, home modifications, caregivers, bills, or even travel.

⸻

4. Protect Your Retirement Savings

If you’re relying on retirement savings or fixed income (like Social Security), a serious illness could:
• Force early withdrawals from retirement accounts
• Reduce your long-term financial security
• Increase the burden on family or loved ones

A supplemental policy can act as a financial cushion.

⸻

5. Often Easier to Qualify For Than Long-Term Care Insurance
• Less restrictive underwriting
• Often no medical exams — just health questionnaires
• Available even if you don’t qualify for long-term care insurance

⸻

6. Peace of Mind

Knowing that you have a plan in place if a chronic illness strikes can:
• Reduce stress for you and your family
• Allow you to focus on quality of life, not just costs
• Help avoid the burden of relying on loved ones for financial or physical care

⸻

🎯 Bottom Line:

Chronic illness supplemental insurance is about control, flexibility, and protection — protecting your health, your lifestyle, and your savings from the long-term impacts of serious health conditions.

⸻

📞 Want Help Finding the Right Plan?

I can help you compare options and find a plan that fits your health, age, and budget.

Nader Mishreky
Licensed Insurance Agent
📱 248-835-6051
📧 1156313@gmail.com

Let me know if you’d like me to put together a personalized recommendation or brochure for chronic illness protection.

05/31/2025

🦷👓 Enroll in a Humana Dental and Vision Plan

With Nader Mishreky – Licensed Insurance Agent

Looking for affordable, flexible dental and vision coverage? You can enroll easily online through Humana using the personalized link below.

👉 Start Enrollment Here with Nader Mishreky

⸻

✅ Step-by-Step Enrollment Instructions

1. Click the Enrollment Link

🔗 https://www.humana.com/aoadv/1946995

This takes you directly to Humana’s enrollment portal with Nader Mishreky as your assigned agent.

2. Enter Your Zip Code

To see plans available in your area (such as Troy, MI), simply enter your zip code and click “Get a Quote.”

3. Compare Plans

Explore coverage options such as:
• Humana Extend 1250 / 2500 / 5000 (Dental + Vision + Hearing)
• Complete Dental PPO Plan
• Stand-Alone Vision Plans

These plans cover:
• Cleanings, exams, and x-rays
• Fillings, crowns, and implants (depending on the plan)
• Eye exams, glasses, and contact lenses

4. Choose a Plan & Enroll
• Pick a plan that fits your budget and needs
• Fill out the online application—it only takes a few minutes
• Pay your first premium to activate your coverage

5. Create Your Humana Online Account

After enrolling:
• Visit Humana.com and click “Sign In” > “Register”
• View your benefits, print ID cards, and manage your policy online

📌 Key Notes:
• Annual Maximum: This is the total amount the plan will pay for covered dental services in a calendar year. Once this limit is reached, you are responsible for any additional costs.
• Implant Coverage: Only the Extend 2500 and 5000 plans include coverage for dental implants, each with specific annual and lifetime maximums.
• Vision & Hearing: All Extend plans include routine vision and hearing exams, but coverage details may vary.

⸻

📞 Need Help?

I’m here to guide you through the process personally.

👤 Nader Mishreky
Licensed Life/Health & Dental/Vision Insurance Agent
📱 Phone: 248-835-6051
📧 Email: 1156313@gmail.com

Explore Medicare plans and health insurance coverage to fit your lifestyle. Turning 65 or recently qualified? Sign up for Medicare coverage! Start with healthy, start with Humana.

05/27/2025

🦷 Dental Coverage: What’s the Difference Between Insurance & Savings Plans? 🦷

When it comes to dental care, you’ve got options—but not all plans work the same way. Here’s a simple breakdown:

✅ Standalone Dental Insurance

This is traditional insurance that helps pay for preventive and restorative dental care.

How it works:
• You pay a monthly premium
• Covers preventive services like cleanings & exams (often at 100%)
• Helps with fillings, crowns, root canals, and sometimes orthodontics
• May have deductibles, copays, and annual maximums
• Uses a provider network

Great for:
People who want predictable coverage, have regular dental needs, or want help with bigger procedures

⸻

💳 Dental Savings Plans (Discount Plans)

This is not insurance, but a membership program offering discounted rates with participating dentists.

How it works:
• You pay a low annual fee (instead of a monthly premium)
• You get discounted rates on most dental services
• No deductibles or annual limits
• Must use participating dentists

Great for:
People who don’t visit the dentist often or want a low-cost alternative to full insurance

⸻

📌 Which is right for you?
As a licensed insurance broker in Michigan, I can help you compare your options and choose what fits your budget and dental needs best.

📲 Call or text Nader Mishreky at [(248) 835-6051]
🌐 Visit [https://detroitmedicareadvisors.com/]
📍 Serving individuals, families & small businesses across Michigan

Let’s protect your smile—your way. 😁

We provide affordable health insurance options for individuals and families. Our plans include coverage for medical, dental,

05/27/2025

📋 Struggling with Hiring and Onboarding? Let Gather by Colonial Life Help! 💼

Hiring and onboarding new employees doesn’t have to be overwhelming. Gather, powered by Colonial Life, is a streamlined digital platform that simplifies every step of the process—from posting a job to enrolling new hires in valuable worksite benefits.

🎯 With Gather, you can:
✅ Post jobs and track applicants
✅ Digitally onboard new hires
✅ Educate employees on benefits like disability, life, accident, and hospital indemnity insurance
✅ Complete all required paperwork—fast, secure, and paperless
✅ All with no cost to the employer

📹 Want to see how easy it is to add a new employee using Gather?
🎥 Watch this short step-by-step video:
👉 https://cloud.3dissue.net/8539/assets/video/Gathr_Adding_an_Employee.mp4

📍 Serving businesses across Michigan
📲 Contact Nader Mishreky at [(248) 835-6051]
🌐 Visit [https://detroitmedicareadvisors.com/]

Make hiring easier, faster, and more efficient—with benefits your employees will thank you for.

We provide affordable health insurance options for individuals and families. Our plans include coverage for medical, dental,

05/27/2025

🩺 Supplemental Insurance = Extra Protection When You Need It Most 💼

Even the best health insurance doesn’t cover everything. That’s where supplemental insurance comes in—and it can make a BIG difference when life throws the unexpected your way.

As a licensed Michigan insurance broker, I help individuals, families, and employees access affordable supplemental plans to fill the gaps in their coverage.

🔹 Disability Insurance – Protect your paycheck if you’re unable to work due to illness or injury
🔹 Hospital Indemnity Insurance – Get paid cash for hospital stays to help with deductibles, copays, and lost income
🔹 Critical Illness Insurance – Receive a lump-sum payment if diagnosed with a serious illness like cancer, heart attack, or stroke
🔹 Accident Insurance – Covers unexpected injuries and out-of-pocket costs
🔹 Cancer Insurance – Focus on recovery—not medical bills

💡 Many plans offer:
✔ Guaranteed issue (no medical exam)
✔ Portable coverage – keep it even if you change jobs
✔ Affordable rates for individuals, families, or worksite groups

Let’s make sure you and your loved ones are covered from every angle.

📍 Serving Michigan
📞 Call or text Nader Mishreky at [(248) 835-6051]
🌐 Visit [https://detroitmedicareadvisors.com/]

Because life happens—and your finances shouldn’t suffer because of it. 💪

We provide affordable health insurance options for individuals and families. Our plans include coverage for medical, dental,

05/27/2025

🛡️ Life Insurance That Works Smarter—Even While You’re Still Living 💡

Did you know you can offer or enroll in life insurance using pre-tax dollars through your employer or a qualified worksite program?

As a licensed Michigan insurance broker, I help individuals and businesses access portable life insurance policies with powerful, flexible features like:

✅ Pre-Tax Payroll Deduction – Lower your taxable income while protecting your family
✅ Portability – Take your life insurance with you if you change jobs or retire
✅ Living Benefits – Access your death benefit early if you’re diagnosed with a:
• Chronic illness (e.g., long-term care needs)
• Critical illness (e.g., heart attack, cancer, stroke)
• Terminal illness

💼 Perfect for:
• Employees who want long-term, portable coverage
• Employers who want to enhance benefit offerings with little to no cost
• Individuals looking for flexibility and future protection

✨ This is not your parents’ life insurance—this is smart, modern protection that adapts to your life.

📞 Let’s talk about how life insurance can protect you today—not just someday.
📍 Serving all of Michigan
📲 Call/Text Nader Mishreky at [(248) 835-6051]
🌐 Visit [https://detroitmedicareadvisors.com/]

Your life. Your health. Your protection—on your terms.

We provide affordable health insurance options for individuals and families. Our plans include coverage for medical, dental,