Welcome to Apogee Quote!
Meet Ken Sutton, owner of Apogee Quote
Welcome to Apogee Quote, the insurance agency owned and operated by Ken Sutton, located in Saxonburg, PA.
Comprehensive Insurance plans tailored to your unique needs
We offer a wide range of insurance plans, including under 65 health insurance, over 65 Medicare plans, and life insurance, including term, whole life, and burial plans. As the owner of Apogee Quote, Ken is committed to providing you with the best coverage possible, tailored to your unique needs and budget.
Experienced guidance for informed decisions
At Apogee Quote, we understand the importance of having reliable insurance coverage to protect yourself and your loved ones. Ken has years of experience in the insurance industry and is dedicated to using his expertise to help you make informed decisions about your insurance needs.
Personalized service from a family-owned agency
As a family-owned agency, we take pride in our commitment to our clients and our community. We understand that choosing the right insurance plan can be overwhelming, which is why we strive to make the process as easy and stress-free as possible. Our team of experienced agents is dedicated to finding the right plan for you and your family, whether you’re in need of under 65 health insurance, over 65 Medicare plans, or life insurance.
Quality insurance coverage for everyone
At Apogee Quote, we believe that everyone deserves quality insurance coverage, and we’re committed to making that a reality for our clients. Contact us today to learn more about how we can help you protect what matters most.
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Why Our Clients Choose Us
Trusted Insurance Experts Providing Comprehensive Coverage and Personalized Service for Life, Health, and Medicare Needs.
Health Insurance
Health insurance plans for under 65s: Pennie, Obamacare, and short-term medical plans. Allow us to help you find the ideal plan for your budget and needs.
Medicare Insurance
Medicare plans for those over 65: Medigap, Medicare Advantage, and Part-D drug plans. Let us assist you in finding the best plan for your budget and needs.
Life Insurance
Discover our life insurance plans for all ages: Term, Whole Life, and Burial Insurance. Let our team assist you today.
Insights and Tips to Help You Make Informed Insurance Decisions
Our blog features informative articles and expert advice on all things insurance to help you navigate the complexities of the insurance world and choose the right coverage for your unique needs.
Frequently Asked Questions: Answers at Your Fingertips
Get quick answers to common questions about our insurance products, services, and policies in our comprehensive FAQ section.
What is the difference between burial and funeral insurance?
Burial insurance, also known as final expense insurance, is a type of insurance policy that is specifically designed to cover the cost of funeral and burial expenses. It is typically a smaller policy with lower premiums, and the payout is meant to cover the costs associated with the funeral, such as the casket, burial plot, and funeral services.
Funeral insurance, on the other hand, is a broader type of insurance policy that can cover a wider range of expenses related to a person's death. This can include funeral and burial expenses, but it can also cover other costs such as medical bills, legal fees, and outstanding debts. Funeral insurance policies are usually larger and more comprehensive, with higher premiums and more extensive coverage.
Can you be denied burial insurance?
Yes, it is possible to be denied burial insurance coverage. The likelihood of being denied coverage depends on the policy and the applicant's health profile. However, if an individual is declined coverage by one company, there are usually other companies that may be willing to provide coverage. It is advisable to work with an independent agent who represents multiple companies and can shop for the best coverage options based on the individual's health profile. This will save time, money, and frustration in the long run. Therefore, while it is possible to be denied burial insurance, there are usually other options available.
Which is better whole life or term insurance?
Deciding between whole life and term life insurance depends on your individual needs and goals.
Whole life insurance provides coverage for your entire life and comes with a savings component that can accumulate cash value over time. Whole life insurance premiums are typically higher than term life insurance premiums, but they provide lifetime protection and the cash value can be used for various purposes, such as borrowing against it or surrendering the policy for cash.
Term life insurance, on the other hand, provides coverage for a specified term, such as 10, 20, or 30 years. Term life insurance premiums are typically lower than whole life insurance premiums, but they only provide protection for the specified term. If you pass away after the term ends, the policy will not pay out any benefits.
Term life insurance is often a better option for those who want coverage for a specific period, such as until their children graduate college or until their mortgage is paid off. It is also a good option for those on a budget who want to maximize their coverage for a lower premium. Whole life insurance is a better option for those who want permanent coverage and the added benefit of cash value accumulation.
Ultimately, the choice between whole life and term life insurance depends on your individual needs, budget, and goals. It's best to speak with a licensed insurance professional who can provide you with personalized advice based on your unique situation.
How much is the cheapest Medicare plan?
The cost of the cheapest Medicare plan can vary depending on the individual's location and specific needs. The two most basic Medicare plans are Original Medicare (Part A and Part B) and the Medicare Advantage Plan. Original Medicare Part A is typically free for those who have worked and paid Medicare taxes for at least 10 years. The cost of Part B is $164.90 per month in 2023.
Alternatively, some Medicare Advantage plans have $0 premiums, while others may have higher premiums. These plans are offered by private insurance companies and combine Part A and Part B benefits. It's important to shop around and compare plans in your area to determine which option is best for you based on your specific health needs and budget. To find the cheapest Medicare plan for your needs, it's best to speak with a licensed insurance agent or visit the official Medicare website.
What is the best health insurance in PA?
Determining the "best" health insurance in Pennsylvania can be subjective and depend on an individual's specific healthcare needs and budget. However, there are several highly-rated health insurance companies that offer plans in Pennsylvania, including:
Highmark Blue Cross Blue Shield: Highmark offers a variety of health insurance plans for individuals and families, including HMOs, PPOs, and EPOs. They also offer Medicare Advantage plans and Medigap policies.
Independence Blue Cross: Independence Blue Cross offers a range of health insurance plans, including HMOs, PPOs, and EPOs. They also offer Medicare Advantage plans and Medigap policies.
UPMC Health Plan: UPMC offers a variety of health insurance plans, including HMOs, PPOs, and EPOs. They also offer Medicare Advantage plans and Medigap policies.
Geisinger Health Plan: Geisinger offers a range of health insurance plans, including HMOs, PPOs, and EPOs. They also offer Medicare Advantage plans and Medigap policies.
To determine the best health insurance plan for your needs, it's important to consider factors such as monthly premiums, deductibles, copayments, network coverage, and prescription drug coverage. It's also a good idea to speak with a licensed insurance agent or visit the official Pennsylvania health insurance marketplace to compare plans and determine which option is best for you.
How much does PA Medicare cost?
The cost of Pennsylvania (PA) Medicare varies depending on the plan and the individual's circumstances. Here are some basic costs to consider:
Medicare Part A: Most people do not pay a premium for Medicare Part A, which covers hospital stays, skilled nursing facilities, and hospice care. However, if you do not have enough work history to qualify for premium-free Part A, you may have to pay a monthly premium.
Medicare Part B: The standard monthly premium for Medicare Part B in 2023 is $164.90. However, high-income earners may pay more based on their income.
Medicare Part C (Medicare Advantage): The cost of Medicare Advantage plans in PA varies depending on the plan, provider, and location. Some Medicare Advantage plans have $0 premiums, while others may have higher premiums.
Medicare Part D (Prescription drug coverage): The cost of Medicare Part D plans varies depending on the plan, provider, and the medications you take. Premiums for Part D plans in PA average around $30 per month, but can be higher or lower depending on the specific plan.
It's important to note that while Medicare covers many healthcare services, it does not cover everything. Medicare beneficiaries may still be responsible for copayments, coinsurance, and deductibles. Additionally, Medicare Supplement Insurance (Medigap) policies can help cover some of these out-of-pocket costs, but they come with their own premiums.
To get an accurate estimate of your PA Medicare costs, it's best to speak with a licensed insurance agent or visit the official Medicare website.
Contact Apogee Quote
Get in touch
145 S Isabella St
Saxonburg, PA 16056
Phone : (724) 294-8900
Email : info@apogeequote.com
MON-FRI 09:00 – 5:00
SAT: 9:00 – 12:00