Dental insurance helps cover the cost of routine and unexpected dental care, making it easier to maintain good oral health. Most plans include coverage for preventive services like exams, cleanings, and X-rays, as well as a percentage major procedures such as fillings, crowns, and sometimes orthodontics. By reducing out-of-pocket expenses, dental insurance encourages regular care and helps individuals and families avoid larger, more costly dental issues down the road.
Vision insurance is designed to make eye care more affordable by covering routine eye exams and providing benefits toward glasses or contact lenses. Many plans also offer discounts on vision correction services and upgrades such as lens coatings or frames. With a focus on preventive care and early detection, vision insurance helps support long-term eye health while reducing the cost of maintaining clear, healthy vision.
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Private health insurance provides individuals and families with flexible coverage options. These plans can help cover medical expenses such as doctor visits, hospital stays, prescriptions, and preventive care. Depending on your needs, private plans may offer a range of benefits, provider networks, and pricing options.
Whether you are self-employed, between jobs, or simply exploring alternatives to employer-sponsored coverage, private health insurance allows you to choose a plan that fits your healthcare needs and budget. Our team is here to help you understand your options and guide you toward a solution that works best for you.
Carriers we represent:
Our Agency is Your Health Idaho Certified and available to help you qualify for a tax credit to help you afford the coverage that is most suitable for you.
Long-term care insurance helps cover the cost of extended care services that may be needed due to aging, chronic illness, or disability. This can include care provided in a nursing home, assisted living facility, or even in the comfort of one’s home. By helping pay for services such as personal care, daily living assistance, and supervision, long-term care insurance protects individuals and their families from the significant financial burden of ongoing care while preserving savings and providing greater choice and independence in how care is received.
Carriers we represent for long-term care:
Personal life and disability insurance are designed to help protect you and your loved ones from the financial impact of unexpected events. Life insurance can provide financial support to beneficiaries in the event of a loss, helping cover expenses such as daily living costs, debts, or future financial needs. Disability insurance can offer income protection if you are unable to work due to illness or injury.
Depending on your personal needs, coverage can be structured using term life, whole life, universal life, indexed universal life, variable life insurance policies or final expense life—each offering different levels of flexibility, duration, and potential cash value growth.
These coverages can be tailored to fit your unique situation, whether you're planning for your family’s future or looking to safeguard your income. Our team is here to help you explore your options and find a solution that aligns with your goals and financial priorities.
A well-rounded investment strategy can help you grow and preserve wealth over time while working toward your financial goals. Investment options may include a variety of asset types such as bonds, common stock, mutual funds, and government securities, as well as vehicles like brokerage accounts, treasury bills and notes, and specialized options such as UITs, REITs, and variable annuities.
Each investment type offers different levels of risk, return potential, and liquidity. Whether you're focused on long-term growth, income generation, or diversification, building the right mix of investments is key. Our team is here to help you understand your options and develop a strategy that aligns with your financial objectives and comfort level.
A strong financial strategy provides a clear roadmap for achieving your short- and long-term financial goals. It brings together key areas such as income planning, savings, investments, risk management, and retirement preparation into one cohesive approach.
Whether you're building wealth, protecting what you’ve earned, or planning for the future, a personalized financial strategy helps ensure each piece of your financial life is working together efficiently. Our team takes the time to understand your goals and priorities, helping you create a flexible plan that can adapt as your needs evolve.
Roth IRA*
A ROTH IRA is an individual retirement account that allows for tax free growth and tax free withdrawals in retirement, provided certain conditions are met. Contributions are made with after tax dollars, meaning there is no up front tax deduction. Qualified distributions of both contributions and earnings are entirely tax free. An account can be opened with as little as a $50/monthly contribution.
Traditional IRA*
A Traditional IRA is tax advantaged personal retirement account that allows for individuals with earned income to make tax-deductible contributions, with taxes deferred until withdrawal, typically at age 59 1/2 or later. Earnings grow tax-deferred, and contributions may reduce current taxable income.
Annuities
An annuity is a contract with an insurance company where you pay a premium in exchange for a guaranteed, recurring income stream, often used for retirement. It acts as a safety net to prevent outliving savings, offering tax-deferred growth. Types of annuities include fixed, variable, indexed, and immediate.
Retirement plan options and eligibility may vary. Consult with a financial professional for details specific to your situation.
We do not offer every plan available in your area. Currently we represent 5 organizations which offer 20 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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* Scott Leavitt offers products and services using the following business names: Gem State Financial Group – insurance and financial services | Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC – securities and investments | Ameritas Advisory Services (AAS) – investment advisory services. AIC and AAS are not affiliated with Gem State Financial Group.
Products and services are limited to residents of states where the representative is registered. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your representative. Read it carefully before you invest or send money. A representative will contact you to provide requested information. Representatives of AIC and AAS do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.