Medicare Supplement

We offer plans for every budget, outstanding service and top carriers.

Medicare Advantage

We offer plans for every budget, outstanding service and top carriers.

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Medicare

There are many options and types of health insurance and we know it can be a hassle to find the plan that works for you. Our number one goal is to help you find quality and affordable Medicare coverage with the resources you need.

Work with our expert insurance agents and some of the top Medicare companies in the surrounding states.The cost of prescription drugs continues to rise, an expenditure that can be eased by Medicare.

Medicare Advantage Plans

a.k.a Medicare Part C provide
-Part A Hospital Insurance &

-Part B Medical Insurance Coverage

-Part D Medical Prescription Drug Coverage

*Most plans include Part D*

Some plans fully round out coverage with benefits like:

• Health and Wellness Programs
• Vision
• Hearing
• Dental

Medicare Part A

This covers costs associated with in-patient services at facilities including:

• Hospitals
• Skilled Nursing Facilities
• Hospice
• Some Home Health Care

*Many people pay into Medicare while they are employed; consequently, most Medicare Part A enrollees are not required to pay a premium.*

Medicare Part B

The complementary other half to Part A, covering a variety of services including

• Exams,
• Outpatient Care,
• Durable Medical Equipment
• Home Health Services

Typically, the monthly premium for Part B coverage is a standard amount, but some recipients are required to pay a higher premium based on their income.

*It is important to sign up for Part B when you first become eligible, as enrolling late sometimes carries a late enrollment penalty.*

Those with an Advantage plan will typically pay a monthly premium in addition to the Part B premium.

There is usually a co payment or coinsurance for covered services as well. Out-of-pocket costs and rules about service providers can vary from plan to plan, and these rules can change each year.

Benefits to Medicare Advantage Plans

• Medicare Part A (hospital insurance) and Part B (medical insurance) benefits and services.
• Part D (medical prescription) coverage.
• The same Medicare rights and protections offered by Original Medicare.
• With the exception of End-Stage Renal Disease, those with a preexisting conditions can be eligible for Medicare Advantage coverage.

Our licensed agents can work with you to help you figure out if you need the high level Medicare coverage offered by Medicare Advantage plans. Start by obtaining free quotes via our quote engine, and then discuss your options in-depth with a member of our team.

Types of Medicare Plans:

• Health Maintenance Organization (HMO) Plans
• Preferred Provider Organization (PPO) Plans
• Private Fee-for-Service (PFFS) Plans
• Special Needs Plans (SNPs)

There are other less common types of Medicare Advantage Plans that may be available:

• HMO Point of Service (HMOPOS) Plans: An HMO Plan that may allow you to get some services out-of-network for a higher cost.