Medicare
Turning 65?
Approaching Retirement?
Recent Rate increase?
We can help you make Medicare simple
We are in the business of helping you understand Medicare and guiding you through available insurance options. We believe it is important that you first understand Medicare itself before choosing a Medicare Supplement, Part D or Medicare Advantage plan (MAPD).
We will help you:
Learn how and when to enroll to avoid the Medicare penalties
Get unbiased pros and cons of all your Medicare options.
Help you save money
How to get the most of your benefits
Helping you for the life of your policy.
Medicare is the federal health insurance program for people who are 65 or older, certain younger people with disabilities, and people with End-Stage Renal Disease (ESRD).
- Part A (Hospital Insurance) covers hospital stays, hospice, and care in a skilled nursing facility, with some home health care coverage.
- Part B (Medical Insurance) covers outpatient services, medical supplies, some doctors’ and preventive services.
- Part C (Medicare Advantage) is offered through private companies. Many offer vision, hearing, and dental plans in addition to Part A and Part B coverage, and often include prescription drug coverage.
- Part D (Prescription Drug Plans) is offered by Medicare separately from Original Medicare.
- Supplement Plans (Medigap policies, or Medicare supplement insurance), are offered by private companies approved by Medicare. These can help pay copayments, coinsurance, and deductibles of Original Medicare.
Long-Term Care (LTC)
Medicare does not cover Long-Term Care. We provide personalized Long-Term Care solutions that meet your specific needs. We are here to help you find the best plan options to protect your future. There are also more affordable options that provide Home or Short Term care. Options with Life Insurance or Annuities have riders or a Hybrid component that can provide for Long Term Care solutions.