Medicare insurance is our job! We keep up-to-date on all the latest Medicare news so that you don’t have to. We also have access to updates and information that is not readily available to the public. We can use this information to help you!
Whether you come in and ask us questions, or you decide to purchase a policy, all visits and phone calls are at no charge to you!
We offer insurance plans from several different top rated companies. We choose to do this so that you, as the customer, have as many quality options as possible. We realize that everyone has different needs and circumstances. By offering an array of different polices we hope to be able to find the best fit for you. We only partner with the top companies so that our clients receive the best service out there.
We can help you to build the best plan that works for you. Whether that is a Medicare Supplement, Part C Advantage Plan, or a Part D Prescription Drug Plan. We can analyze your situation and help you find the best fit. Putting your information into a computer is never as comprehensive as meeting with a qualified agent.
Medicare Supplement plans, sometimes referred to as Med-Supp or Medi-Gap plans, are insurance plans offered by private insurers. These plans work in conjunction with Original Medicare. Med-Supp plans are designed to cover the gaps of Original Medicare coverage. If you have a Med-Supp policy, Medicare will be billed for what it covers and your policy will be billed for the remainder. You will be responsible to pay anything that is not covered by Original Medicare or your Med-Supp policy.
Part C refers to all plans offered by private insurance companies that step-in and replace Original Medicare.
When you enroll in one of these plans you are still responsible for paying your monthly Part B premium. You may have an additional monthly premium through the carrier, but some plans offer a $0 month additional premium. These plans may also offer coverage for services not covered under Original Medicare, such as: dental, eye exams, eyeglasses, chiropractic visits, and acupuncture. Many also encourage healthy living with gym membership plans. In most cases, your plan will also include prescription drug coverage in your monthly premium.
This part covers prescription drug coverage. If can be used in conjunction with Original Medicare, Medicare Supplement Plans, and some Medicare Advantage Plans. If you do not have an MAPD Plan or other credible coverage (such as through an employer), you do not want to put off getting Part D coverage. You will be assessed penalties if you sign up late for a plan.
