Medicare Supplements are private supplemental health insurance plans sold to Medicare beneficiaries in the United States that provide coverage for medical expenses not or only partially covered by Medicare. They are sometimes referred to as Medigap policies because they fill in the gaps that original Medicare coverage does not.
Medicare Advantage plans are offered by certain HMOs and insurance companies that have entered into special arrangements with the Centers for Medicare & Medicaid Services (CMS). Under these arrangements, CMS pays the HMO or insurance company a set amount for each Medicare enrollee. The HMO or insurance company agrees to provide Medicare benefits and may provide some additional benefits, which may be at an additional cost.
A Medicare Cost Plan is a type of HMO. These plans may work in much the same way, and have some of the same rules, as Medicare Advantage Plans. In a Medicare Cost Plan, if you go to a non-network provider, the services are covered under Original Medicare. You would pay the Medicare Part A and Part B coinsurance and deductibles.
Prescription Drug Part – D Plans Individuals are eligible for prescription drug coverage under a Part D plan if they are entitled to benefits under Medicare Part A and/or enrolled in Part B. The Annual Election Period for Medicare Advantage and Medicare part D plans is October 15 – December 7.
Other Insurance Products
Individual and Family Health Insurance Health insurance coverage with a multitude of options including plans through the Federally-Facilitated Marketplace, Health Savings Accounts, and Catastrophic plans.
Dental, Vision, Hearing Plans
Affordable plans designed to assist in the cost of protecting some of your most valuable assets: your teeth, eyesight, and hearing.
We offer different types of Life Insurance including Term and Whole Life (Permanent) to protect your family and loved ones whether it be final expenses (Irrevocable funeral trust), debt reductions, mortgage payoff, or survivor income.
Long Term Care Insurance
Protect yourself from rising costs of nursing homes with a long term care insurance policy.
Prepare for retirement with a tax deferred annuity to create sustainable retirement income.
Small Business Health Insurance
Health insurance options are available to small businesses with fewer than 50 full time employees through the Small Business Health Options Programs (SHOPs).