You are not alone – We will guide you through the enrollment process.
Are you turning 65 in the next year or retiring at a later age? We can review Medicare basics and costs with you, so you know what to expect. If you are still working, we can compare your current group insurance to your Medicare options, so you make the right choice. If you choose to enroll in Medicare, we will then review alternative plans for you as described in the next section.
Medigap is Medicare Supplement Insurance that helps fill “gaps” in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like copayments, coinsurance and deductibles.
You may qualify for a Special Needs Plan with extra benefits.
Are you enrolled with Medicare and receiving Medicaid? Many seniors who qualify for Medicaid are unaware of their eligibility for special Medicare Advantage plans that offer richer medical benefits than those available under Medicaid alone. We will check your qualifications, compare plans, and help you enroll.
Many plans offer extra benefits beyond VA or Tricare coverage.
Are you a veteran enrolled in Medicare Part A and Part B? $0 monthly premium plans are available in many areas offering you large provider networks with extra benefits such as dental, vision, hearing, fitness memberships, and more. In some areas, plans may include a Part B premium reduction.
Let’s see if you qualify for programs to reduce your prescription costs.
Social Security offers Extra Help with prescription drug costs, and if you qualify, you may save on prescription drug-related costs. Qualification is based on income and financial resources. We can help you apply for Extra Help. This program may also pay your monthly Part D prescription premium or any late Part D enrollment penalties.
We are also knowledgeable in different prescription drug discounts and advocacy programs that may benefit you.
You may qualify for a Special Needs Plan with extra benefits.
A Chronic Condition Special Needs Plan (C-SNP) is a type of Medicare Advantage plan designed for individuals with specific, severe, or disabling chronic conditions, offering specialized coverage, benefits, and support tailored to their needs.
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 find the right insurance at the best possible price.
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.
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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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