Health & Life Insurance For



Rick Sobotka, MBA
President &
Independent Advisor


             Cell: (501) 363-3403
          Office: (501) 264-4776

     Toll Free: (866) 478-8251
                Fax: (866) 773-9748   

About Rick Sobotka

About Our Business

Customer Testimonials

Arkansas License 11733505
Arizona License 928358
New Mexico License 342844


Independent Health Ins Agent Assn

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A Catastrophic Event

First and foremost, everyone absolutely needs to be covered for a major catastrophic event.  With ever-escalating costs associated with medical care, especially critical care, you would be negligent not to evaluate the following two criteria while assessing your personal need.

Policy Maximums

All true insurance plans have policy maximums.  The plan maximum refers to the most an insurance plan will pay in total, no matter what the circumstances are.  Some plans have individual lifetime maximums, some have family lifetime maximums and some have annual maximums for either the family or per individual. 

In the present state of escalating healthcare costs, you should be looking for a plan that has the highest maximums that you can find.  It is our strong recommendation that you cover your family with at least $5,000,000 per person.  Five million dollars per person is pretty much top of the line, and will go a long way towards ensuring that you and your family are protected now and for years to come.  Protection Benefit Solutions Health Care Plan has plan designs that give you the coverage that you need for a catastrophic event. 

Maximum Out-Of-Pocket/Stop Loss

The "max out-of-pocket" refers to the most that you will pay in deductibles and coinsurance in any given year, no matter how large your medical bills are (up to plan maximums, of course).  Your plan should have the "max out-of-pocket" and "coinsurance stop loss" stated clearly and understandably in writing.  With a Carefree Insurance Group plan design, your "max out-of-pocket" and "coinsurance stop loss" will not only be clearly stated,  you will have a say in what the amount of it is.  What point are you at in your life?  Every individual and family has different needs.  Some have a house full of children, others don't.  Some people travel, others stay close to home.  There are an infinite number of situations and you need to evaluate yours if you are to make a decision that is proper for you.  You should also consider your lifestyle while shopping for health plans. 

Also consider your personal medical history as well as that of your family, including any hereditary issues.  Please ask yourself the following questions:

  • What am I hoping to achieve with my health plan?
  • How do I plan to use my coverage?
  • How long do I need this plan?
  • How much of my medical expenses am I willing to cover myself?
  • Are there conditions in my family history that I NEED to be covered for?

These are but a few of the areas that will be discussed during your plan design.

Where Do You Spend Your Time?

If you are like most of us the answer is at work.  We do design plans that cover you on the job.  But the question goes deeper than that.

  • Do you travel?
  • Do you spend periods of the year in another part of the country?
  • Are you spending time in outdoor activities or sports?

Again, these are just some of the things that you should be considering and areas that will be discussed during your plan design.

What Can You Afford?

Well, this question had to be asked sometime!  Designing a plan that you can't afford will not do anyone any good.  On the other hand, hiding behind the fear of a large monthly payment is not the answer either.

At Carefree Insurance Group we carry a variety of options to get you the most coverage for your budget.  Additionally, our plan design includes "Field Underwriting" so we can consider your pre-existing conditions, if acceptable, into the quote.  This process will give you an accurate picture of what your desired coverage will actually cost.  We will let you know upfront if you may not qualify for the plan you are considering, and we will suggest other options, if necessary.

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Banner photo provided by Rick Sobotka