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Insuring a Bright Future

Insuring a Bright FutureInsuring a Bright FutureInsuring a Bright Future

Your peace of mind starts here!

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Insuring a Bright Future

Insuring a Bright FutureInsuring a Bright FutureInsuring a Bright Future

Your peace of mind starts here!

Contact Us

My Medicare Blog

About Us

Medicare: AEP Is Upon Us!!!

Everyone has different insurance needs when they turn 65. Speak with one of our agents today to find the best plans for your household!

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Maintain Health

One of the leading causes of debt in this country is loss due to medical bills. We have years of insurance experience helping clients prepare for the unknown when it comes to your health. We have built relationships with multiple carriers to secure the best product for you and your family!

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Give Life

Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly. Leaving your family and/or loved ones without the capital to continue through life and stealing their time to grieve your lost can be solved with one click!  Funeral Arrangements, House Payments, Private School Tuition, Car Notes, Utility Bills.....the list can go on forever of what families have to consider after your death. Talk to one of our professionals today to secure your coverage and give your family peace.


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Our Team

Licensed Health, Life and Medicare: Maryland and North Carolina

Fred McCray

Principal Financial Analyst

Licensed Health, Medicare and Life: Maryland, Virginia and North Carolina

Frequently Asked Questions

Please contact us if you cannot find an answer to your question.

Well, I'm so glad you asked this one! Rx deductible is referred to as your Prescription Drug Deductible. In 2025, most companies began adding this to their plans. This is the amount you would have to pay for your prescription drugs BEFORE you are able to pay the prices that your plan lists. There is usually an exception for Tier 1 drugs, which are usually exempt from this rule. Please have your broker search your formulary to verify.

Your formulary is where you will find out which drugs are covered by your plan. For plans years 2025 on, these can differ by plan, medal level and insurer. This means even though it's in Tier 1 on your Gold plan, it could be Tier 2 on your Bronze plan. So be sure to have your broker check to ensure it is correct for your specific plan. For Medicare, Insurance companies are required to list them somewhere on the website. If you can't find yours, please contact your broker and they can send you a copy.

A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.

The most you will pay from your income or Health Savings Account before the insurance plan covers 100% of the cost incurred for the remainder of the year.

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Sapphire Financial

Maryland, Virginia and North Carolina

Phone: (919) 951-8164 Email: wealthlifeandhealth@fredmccray.com

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Monday - Friday: 7am - 10pm

Saturday: 7am - 10pm

Sunday: Appointment Only

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