After several years of working independently, Mike and Andrea found that they share the same moral and ethical values that have helped drive their businesses. Their newly formed business is built on trust and doing what is right for our clients. With 42 years combined experience in various areas, we believe that we complement each others expertise and can provide so much more to our current and future clients. We look forward to working with you and helping you find ways to put your hard earned money back in your pocket.
Michael employment started at Honeywell and which later became Alliant Techsystems after serving time in the Navy. His manufacturing career focused around production control and scheduling although during that time frame he was a loaned executive to Aurora Public Schools for one year to form a program that would provide work training for disadvantage and developmental disabled students. They were able to form a nonprofit company, Colorado Combine Industries, and secure a government grant for $250,000 to start the training.
In 1992 he took a voluntary layoff and ventured into a new career with Knights of Columbus Insurance as a field agent providing insurance benefits to the membership. During that time, he was able to provide over 2.5 million plus dollars of insurance benefits to the membership. He took a position as General Agent with the Knights of Columbus in the state of Kentucky in 1998 and was responsible for building the agency. During that time, he hired several agents and was able to increase production by 25%. Retiring from the Knights of Columbus in 2007 and he started Thoma Financial Services specializing in index insurance products and Medicare plans. In 2011 he became a Registered Member of National Ethics.
Formed Quality Benefit Solutions, LLC along with Andrea Hinman in 2016. They felt that combining their resources and their experience in different areas plus their shared desire to bring superior product and customer service that they could provide quality benefit solutions for all their clients.
He met his wife Leanne at Honeywell and they married in 1966 and now have four children and seven grandchildren.
Contact information for Michael is: Office (720) 922-7888, Cell (303) 591-8788 and email [email protected]
Andrea is an Insurance Broker in several states across the country, living in Colorado, where most of her clientele reside. She graduated from Texas Tech University in 1985, with a Bachelor of Science degree.
From 1988 through 2001, she worked as an Account Manager and Sales Executive for Electronic Data Systems managing clients across the U.S.
In 2001, after a layoff, Andrea decided that she would never experience a layoff again! Andrea believed that her best option was to work on her own and help others through life changes.
In 2002 she entered the world of insurance, something that was very foreign, but something she felt strongly about. Slowly she marketed Individual and Small Group Health Insurance and grew her business to 500+ customers in 5 short years! Today her goal is to help you understand how you can keep more of your hard earned money and protect your family at the same time!
When Andrea is not working she enjoys spending time with husband of 37 years, her 3 beautiful children and 2 grandchildren. She loves to cook, entertain and enjoys relationships with friends, many who are customers she has obtained over the years.
Andrea can be reached at
303-699-2026 or through email, [email protected]
Short Term Recovery Care
Many people believe that once they have Medicare, a Medicare Advantage Plan or a Medicare Supplement Plan, that they have Stop-Loss protection. However, this is not necessarily true.
Do you have Long Term Care Insurance? If so, you could be protected. If not, here are somethings you should consider.
What happens when you are relying on someone to take care of you? Do you have resources to cover an extended stay in a facility or home health care? Can your children afford these expense or take care of you?
It's hard to admit, but as you age, you are more likely to have a hip knee or back problems. You also have a bigger risk for heart attack or stroke. Extended care is usually needed in these situations.
Medicare DOES NOT PAY FOR:
* National Average Cost 2018 - https://www.genworth.com/aging-and-you/finances/costofcare.html
Skilled Nursing Facility Charges - Medicare Pays
Days 1-20 - You pay $0
Days 21 - 100 - You pay $170.50/Day (May be less depending on your health care plan)
Days 101+ You pay 100%!
Cost varies based on age, elimination period, per day benefit and lifetime maximum days. However you can gain some protection for as little as $50/month. Underwriting is One class rate, no family history question and cause of disability, if disabled. Applicants with that are insulin dependent diabetics, will be declined. Contact us for a quote.
To find out more about Medicare and your supplemental options you can read Medicare and You. Or contact us,local licensed sales agents, at 720-922-7888. You can also learn more by attending one of Our Events.
As your local licensed sales agents, we understand Medicare and we will work to make your choice as simple as possible. We work with all companies, so we help you find the company and plan that best suites your needs. Call for an appointment with either Mike 303-591-8788 or Andrea 303-699-2026. Find out more about us here.
WE LOOK FORWARD TO WORKING WITH YOU!!