NVY Group

Affordable Care Act (ACA)

Affordable Care Act (ACA)

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.

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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.

We Make Medicare Simple!

The resources below should help you get started.

Contact us for a no-cost consultation.

Medicare Plans

Senior Fitness Programs

Over-the-Counter Programs

Health products

How does it work? – Medicare and you

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 find the right insurance at the best possible price.

Medicare Supplement or Medigap

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

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)

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

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.  

  • Short-term care is typically needed for a limited period, such as after a surgery or during a recovery from an illness. It can be provided in a hospital, rehabilitation facility, or at home.  
  • Long-term care is needed for individuals who require ongoing assistance over an extended period. It can be provided in a nursing home, assisted living facility, or at home.  

Both short-term and long-term care can be expensive, and insurance policies are available to help cover the costs.

Let Us Educate You On Your Options!

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Carriers

We look forward to the opportunity to learn about your unique situation and explore how we can help secure your financial future while empowering you with the knowledge to make confident decisions.

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