(636) 462-2701 | nicole@hscllc.us | Troy, MO
Services
Medicare Supplement Insurance
Medicare Supplement Insurance
Medicare Supplement Insurance
Medicare supplements can help pay some of the health care costs that original Medicare does not cover, like copayments, coinsurance, and deductibles.
Medicare Advantage (PartC)
Medicare Supplement Insurance
Medicare Supplement Insurance
A Medicare Advantage plan is a plan offered by a private company that contracts with Medicare to provide Part A and Part B benefits to people with Medicare who enroll in a plan.
Prescription Drug Plans
Medicare Supplement Insurance
Prescription Drug Plans
Prescription drug plans are plans that help our clients afford their prescriptions and have peace of mind knowing that they won’t have to choose between prescriptions each month.
Life Insurance Final Expense
Life Insurance Final Expense
Life Insurance Final Expense
Life Insurance and Final Expense are products that allow our clients to provide financial protection for themselves and their loved ones.
Home Health Care
Life Insurance Final Expense
Life Insurance Final Expense
Home health care is usually less expensive, more convenient, and just as effective as care you get in a hospital or skilled nursing facility (SNF).
My Story
NICOLE HARDEY OWNER/INDEPENDENT SALES REPRESENTATIVE
Nicole has been educating clients about Senior Health Insurance Products since 2005. She enjoys puzzles and problem-solving and puts these skills to use in creating customized benefit plans to fit the needs of her clients.
Nicole was born and raised in Troy, Missouri and graduated from Central Missouri State University with a bachelor’s degree in Business Administration with an emphasis in Accounting.
After working in the accounting field for several years, Nicole did not feel like she had the right fit. She desired to help people on a more personal level. She has a genuine concern for her client’s security and wants to educate her clients so they have coverage they can count on.
In addition, Nicole is an active member of her church and enjoys fishing, hunting, gardening, baking, and spending time with family and friends. She loves to sing and is a member of her church praise band.
Nicole and her husband Toby reside in Troy, Missouri.