Understand your enrollment window, compare your coverage paths, and get help identifying the steps that apply to your situation.
Learn how Medigap policies work with Original Medicare and explore questions to consider when comparing plans.
Get guidance on how Medicare and Medicaid may work together and what coverage details to review.
Review how Medicare may coordinate with VA benefits and consider the coverage choices available to you.
Explore prescription drug coverage options and questions to ask when reviewing medication costs.
Learn about plans designed for eligible people with specific chronic conditions and review their provider and benefit details.
The resources below should help you get started.
Contact us for a no-cost consultation.
Our local, independent insurance agency specializes in providing tailored health and life insurance solutions. We work with a wide range of reputable carriers to offer you comprehensive coverage that meets your unique needs, both personally and professionally. Let us help you understand your Medicare options, compare available coverage, and choose a path that fits your needs and priorities.
Medigap is like ”gap filler” for your Medicare coverage. It helps cover some of the costs that Original Medicare (Parts A and B) doesn’t pay for, such as deductibles, copayments, and coinsurance. Think of it as extra protection to help you avoid unexpected medical bills.
Medicare Advantage Plans are a type of health insurance plan that combines Original Medicare (Parts A and B) with prescription drug coverage (Part D) and sometimes offers additional benefits like dental, vision, or hearing coverage. These plans are offered by private insurance companies and have different rules and benefits compared to Original Medicare.
Basically, a Medicare Advantage Plan is like a bundled package of healthcare benefits.
A Prescription Drug Plan (PDP) is a type of health insurance plan that helps cover the costs of prescription drugs. It’s often a separate plan from Original Medicare, but it can also be included in a Medicare Advantage Plan.
Think of it as a way to save money on your medications.
Short-term care and long-term care are types of healthcare services that provide assistance to individuals who need help with daily living activities due to illness, injury, or disability.
Both short-term and long-term care can be expensive, and insurance policies are available to help cover the costs.
Affordable Care Act (ACA) plans. Often referred to as ‘major medical’ or ‘Obamacare,’ offer comprehensive health insurance coverage that meets all federal requirements. These plans are ideal for individuals with chronic conditions or those at risk of unexpected medical expenses.
ACA plans provide a wide range of benefits, including inpatient and outpatient care, prescription drugs, preventive services, and hospital stays. They can help you save money on routine medical expenses and offer peace of mind knowing you’re protected against high healthcare costs.
ACA plans are available to most people, regardless of pre-existing conditions. Contact us today for a free consultation to discuss your specific needs and explore your options.
It is helpful to understand your enrollment window and coverage choices before you need to make a decision. Your timing can depend on your situation, including whether you are already receiving Medicare or still covered through work.
Original Medicare is the federal program that includes Part A and Part B. Medicare Advantage, also called Part C, is offered by Medicare-approved private plans and provides an alternative way to receive Medicare coverage. The costs, provider networks, and benefits can differ by plan.
Medigap is supplemental insurance that can help pay certain costs associated with Original Medicare. It is different from Medicare Advantage and does not replace Original Medicare.
Yes. Medicare Part D provides prescription drug coverage through Medicare-approved private plans. Many Medicare Advantage plans also include Part D coverage.
Contact NVY Group to discuss your situation and learn about the Medicare options available to you.
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Medicare has neither reviewed nor endorsed this information. In some states, all Medicare Supplement plans are offered to qualified individuals under the age of 65. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1-800-MEDICARE to get information on all of your options. By calling the number above, you will be directed to a licensed insurance agent.
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We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day / 7 days a week, to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or Initial Enrollment Period. Not connected with or endorsed by the United States government or the federal Medicare program.
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