JOANNE FERRO, Caring & Ethical Health Insurance For All Ages


I am a state licensed Life & Health Insurance Broker specializing in the area of:

Mortgage Protection • Final Expense, Term, and Whole Life • Dental • Medicare plans (HMO, PPO, and Supplemental) • Affordable Whole Life Policies for Children and grandchildren • Short-Term Care • Home Health Care • Travel Insurance

There is a Home Health policy that’s new this year from a company that has been in existence for over one hundred years. I work with A-rated companies to serve you and your family.

Being caring and ethical is most important to me. I know that making changes can be scary. All of the above can be very confusing. Every day, I myself get mail, e-mails, and phone calls about insurance. On the worst day of our lives (when we get sick or die) we ourselves, or our families, need be to be protected. It’s difficult enough to grieve when our loved one has died, or care for our loved ones when they are sick. To not be protected financially can be devastating.

There is a new type of Life Insurance plan that gives you access to your benefits when you have a critical, chronic, or terminal illness. We don’t have to die to get help financially. My goal is to educate and simplify your decision-making when choosing a plan that would best fit your needs. Most importantly, helping you in a way that is affordable to you. Education not obligation.

I’d be happy to sit with you and answer any questions you may have.


Travel Insurance

CLICK HERE to use my quoting tool and purchase a Travel Insurance policy.

Not sure what you need? I work with the Travel Insurance Center. CLICK HERE to get an expert’s recommendation on a Travel Insurance policy for your trip.


Dental  & Vision Insurance

Use my quoting tools to compare the monthly premiums and plan details of various dental and vision insurance plans that are available in your area. If you find one that meets your needs, you can easily enroll yourself.

QUOTING TOOL: Security Life (PRIMESTAR) Dental & Vision Insurance Plans

QUOTING TOOL: Delta, Renaissance, and Nationwide Dental & Vision Insurance Plans

Dental & Vision “Discount” Plans

Another way to save money on dental (as well as vision, hearing, and prescription drugs) is a “discount” plan. Direct Access Dental (administered by Careington) has negotiated discounted rates with contracted dental providers (over 250,000 locations nationwide) to save you 20% to  60% off their regular fees for exams, checkups, cleanings, deep cleanings, porcelain crowns, dentures, implants, braces, and hundreds of other procedures. Think of it like a membership club with volume pricing; just one visit to the dentist will often save you more than your annual membership fee. And unlike an insurance plan, there’s no waiting period, no forms to file, no limits on use, and no annual limits.

In most states, the  Direct Access Dental-only plan is $7.90/mo. You can also choose to bundle it with participating Vision, Hearing, & Prescription Drug discount providers for only a few dollars more a month.

Click HERE to Find a dentist or specialist in your area!


If you have any questions about Medicare, or would like to explore options about your coverage, call me at (702) 375-7018 or use the Contact Form below. As a licensed, independent insurance agent/broker, I will be happy to help you explore all of your options for coverage. 


Contact  Me

    Your Name (required)

    Your Email (required)

    Your Message

    PLEASE NOTE:  an agent can only contact you by email or phone to discuss Medicare Advantage or Part D products when you have given permission to call or contact you. By clicking “submit” you agree that you are giving an agent permission. (PTC)


    DISCLAIMER:  I am not connected with or endorsed by the United States Federal Government, Centers for Medicaid and Medicare Services, or the Department of Health and Human Services.

    Share