Supplements cover most, if not all, of the balance of medical bills after the primary insurer (Medicare) pays their portion. Using Original Medicare as your primary insurance, Medigap policies offer a nationwide network of providers and the most comprehensive coverage available to most.
Medicare Advantage health plans (such as HMOs and PPOs) are legally required to offer at least the same benefits as Original Medicare and usually include additional coverage, such as routine vision or dental benefits, gym membership programs, and prescription drugs--all at a low monthly premium.
If you have Original Medicare (Part A and Part B), Medicare Part D isn’t automatically included. Instead, you can get this coverage by enrolling in a stand-alone Medicare Prescription Drug Plan that works alongside your Original Medicare benefits.
Guaranteed Coverage. Income Based Premium Assistance.
Enrollment is processed through the federal health insurance marketplace or a state based exchange like Pennie and facilitated by our agents. Here you can find the Affordable Care Act (ACA) compatible plans with prices from multiple companies who offer coverage in your area. Going through an exchange, you can qualify for a premium subsidy and cost-sharing reduction to help offset the cost of your policy.
Going directly to the insurance companies makes enrollment simple! We can look at a variety of options such as a PPO, HMO, HSA, EPO and POS plans. Plans are county specific with prices based on age. While there's no premium subsidy available off-exchange there could be additional plans offered when compared to the federal marketplace. Let's talk about which direction and company are best for you!
While these policies are not considered ACA compliant and not recommended for long-term use, it's an excellent option while transitioning from one plan to another. Short Term Health can be as little as 30 days of coverage or up to almost a full year and help give you financial protection against high medical expenses. If you are between jobs or uninsured because the open enrollment is over, these plans could be the perfect fit for you!
Employers that form a health group gain access to special plan pricing--often priced 30% lower then the same plans available to individuals. Additionally, groups have the opportunity to choose from significantly more plan options!
10, 20, 30, or however many years your family needs, you choose! Term life insurance expires past that time, but is a great way to provide a significant benefit to your loved ones and at prices that will fit anyone's budget.
These lifelong insurance policies also double as safe investment vehicles. Borrow cash value from your plan whenever you need it, it's your money! Term insurance is right for most families looking for a higher benefit and lower price, but there could a spot in your portfolio for a whole life plan, make sure to ask!
Simplified Underwriting. Never Expires. Just Enough.
Final Expense is a whole life insurance with a benefit amount usually under $30,000. Policies are easier to qualify for than other types of life insurance and final wishes don't become a financial burden on your family. Prices are low and remain level throughout your life.