Medicare Advantage
Medicare Advantage plans are new health care options that are part of the Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.
ABOUT ME
Your Trusted Insurance Professional
Affordable Insurance & Tax (AIT) is our family business started by my Parents, Raul & Christine Cardenas, in 1999 when I was only 5 years old. I have been around Health, Life and Retirement Insurance my whole life, and joined AIT in 2017 after I graduated from SIU. Since then, I have enjoyed coming into work every day to help my clients figure out one of the most confusing aspects of life nowadays, insurance. We pride ourselves on our honesty and trustworthiness, and take our time to find the plan for your specific situation. Our latest addition to AIT is my wife, Gretchen Cardenas, she joined our team as of August 2023!
I'VE GOT YOU COVERED
Explore the plans I offer. Let me be the resource that you depend on year after year for help with your insurance needs.
Medicare Supplements
A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like co-payments, coinsurance, and deductibles.
Medicare Part D
Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area.
Final Expense Insurance
Burial insurance or final expense insurance is a basic life insurance policy that covers people until they reach the age 100.
Term Life Insurance
Term life insurance coverage can be relatively easy to comparison shop. It simply covers you in the event that you die before the end of the term for which you are covered.
Annuity Products
Annuities typically offer tax-deferred earning and may include a death benefit that will pay your beneficiary a guaranteed* minimum amount, such as your total purchase payments.
Individual Health Insurance
No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses.
Short-Term Health Insurance
Outside of the individual market’s annual open enrollment period a short-term health insurance policy might be your best option, especially without a qualifying event.
Dental Insurance
Proper dental care can be an important component of our well being. Dental coverage of some kind can help you ensure the health of your teeth and gums.
Long-Term Care
Long-Term Care (LTC) refers to extended care or services for people with disabilities or long-term illnesses.
Cancer Insurance
The total financial impact of cancer includes direct and indirect costs that can have a long lasting impact on you and your family.
Accident Insurance
Accident Insurance can be used not only to offset the costs associated with an accident such as ambulance transportation, emergency room visits, X-rays and rehabilitative therapies, but also for ordinary daily bills..
What My Customers Are Saying
Hear from customers like you.
David really took his time to explain all the different Medicare options available to me. He is very friendly and happy to help. I felt in competent hands. Would use again for other insurance and tax needs.
Vicki Kuhl - Rockford, IL
David Cardenas and his dad came to Oak Street Health to guide us Medicare-types through the confusion of it all! I left saving $150 a month by changing my plan! Forever grateful. No pressure. Very kind and compassionate.
Maryann Barnett - Rockford, IL