• 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.
• Medicare Advantage: Our Medicare Advantage plans are health care options that are part of a comprehensive Medicare program. Coverage may include Medicare Part D prescription drug coverage as well as hospital, doctor, skilled nursing, and other medical services.
• Medicare Supplement Plans: Medicare Supplement (Medigap) insurance plans are sold by private insurance companies. They can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, 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.
• Dental & Vision: Dental and Vision insurance is an important complement to any medical insurance plan. We offer simple, flexible dental and vision plans for individuals aged 18 and up.
• Critical Illness: If you are diagnosed with a covered illness like Cancer, Heart Attack, Stroke, or Alzheimer’s disease, our Critical Illness insurance typically pays a lump sum. Additionally, some policies may provide a monthly cash benefit.
• Short Term Care Insurance (STCI) is an insurance plan that can help protect your financial future when an unexpected illness or accident occurs.
• FREE prescription discount card for your entire family: Copy this card to your phone, show it to the pharmacy, and enjoy discounted prices at most major pharmacy chains.

When deciding between Medicare Advantage and Original Medicare, weigh the pros and cons of each. Here are some questions you may have:

• What are the circumstances for someone to become eligible for Medicare?
• What are the benefits of Medicare Supplement insurance versus Medicare Advantage or Original Medicare?
• What are some common healthcare expenses that Medicare does not cover?

Medicare Advantage plans often provide additional benefits but may come with network restrictions. To start, let us compare Medicare Advantage and Original Medicare.  Original Medicare offers more flexibility in choosing healthcare providers but usually requires the purchase of a standalone Part D plan for prescription drug coverage.

Understanding Medicare

Medicare is a federal health insurance program in the United States designed to provide coverage for individuals aged 65 and older, as well as certain younger individuals with disabilities or end-stage renal disease. It plays a vital role in ensuring access to quality healthcare for millions of Americans. To navigate the complexities of Medicare, it’s important to know about the different components:

• Medicare Part A: Hospital Insurance

Medicare Part A covers inpatient hospital care, skilled nursing facility care, hospice care, and limited home health services. It is typically available at no cost to individuals who have paid Medicare taxes during their employment.

• Medicare Part B: Medical Insurance

Part B requires payment of a monthly premium, which may vary based on income. Medicare Part B focuses on medical services such as doctor visits, preventive care, outpatient care, and medically necessary services. 

• Medicare Part C: Medicare Advantage

Medicare Advantage, also known as Medicare Part C, offers an alternative to original or traditional Medicare. These plans are provided by private insurance companies approved by Medicare. Medicare Advantage plans often include additional benefits such as prescription drug coverage (Medicare Part D).  Sometimes they also include dental, vision, and hearing services, which are not covered by Medicare.

• Medicare Part D: Prescription Drug Coverage

Medicare Part D is often a requirement.  It provides coverage for prescription drugs. These plans are also offered by private insurance companies approved by Medicare. It’s important to choose a plan that covers the medications you need at a cost that fits your budget. You should also look for Part D plans that simultaneously offer an affordable monthly premium, and also cost less for the exact drug you need.

• Medicare Supplement Insurance (Medigap)

Our agency provides Medicare Supplement Insurance (also known as Medigap) plans to help pay for some healthcare costs that Original Medicare doesn’t cover, such as copayments, coinsurance, and deductibles. Medicare Supplement Insurance, or Medigap, is additional coverage that helps pay for some of the costs not covered by Original Medicare (Part A and Part B). Medigap plans are sold by private insurance companies and can assist with copayments, coinsurance, and deductibles.

In a nutshell, we will explain Medicare benefits, costs, and how to select the ideal Medicare solution tailored to your individual needs.  As our main aim is to educate you, you will be empowered to make informed decisions about your healthcare coverage and choices. 

Let us show you how to choose the correct plan.

Medicare decisions are the individual beneficiary’s choice. Assess Your Healthcare needs.  Start by evaluating your healthcare needs. Consider the prescription drugs you require, your preferred healthcare providers, and any specific medical conditions or treatments that are important to you. This evaluation will help guide your decision-making process.

Given all the choices, choosing the Right Medicare Plan can be crucial to ensure you receive the coverage you need while managing costs effectively. Here are some essential factors to consider:

• We can explain the benefits of Medicare and how to choose the right Medicare plan for individual needs.
• We can help you with information about the costs of Medicare and how to save money on healthcare expenses.
• We also offer Medicare plan comparison tools and Medicare cost calculators to help you make informed decisions about your healthcare coverage.

We will review your Plan Costs and Coverage

• Examine the costs associated with each plan, including premiums, deductibles, copayments, and coinsurance. Evaluate the coverage provided for services such as hospital stays, doctor visits, prescription drugs, and specialized treatments. Ensure that the plan you choose aligns with your budget and anticipated healthcare needs.