Medicare doesn’t have to be complicated
Comprehensive Medicare Advantage Services Tailored to Your Health and Wellness Needs.
Medicare
Medicare is individual health insurance offered to U.S. citizens and other eligible individuals based on age, disability or qualifying medical condition.
Medicare coverage includes Medicare Part A and Part B (Original Medicare) offered by the federal government, and Medicare Advantage (Part C) and Part D prescription drug coverage, which are offered by private insurance companies. Medicare supplement insurance (Medigap) plans are also offered by private insurance companies and help pay for some out-of-pocket expenses that Medicare Part A and Part B don't pay.
The key to helping you with the choices you have with Medicare is to have a licensed Insurance Agent review all the options. We research the options with basic information about medications, doctors, state and county you live in.
We do not offer every plan available in your area. Currently we represent 6 number organizations which offer products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all your options.
Medicare Services
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Medicare Advantage
Medicare Advantage, also known as Medicare Part C, is an alternative to Original Medicare (Parts A and B) provided by private insurance companies approved by Medicare. These plans offer the same benefits as Original Medicare but often include additional coverage, such as vision, dental, hearing, prescription drugs, and wellness programs. You still need Medicare Parts A and B to apply for Medicare Advantage
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Medicare Supplement/Medigap Insurance
Medicare Supplement Insurance, often called Medigap, is private insurance designed to help cover some of the out-of-pocket costs that Original Medicare (Parts A and B) doesn’t fully pay for. These costs can include copayments, coinsurance, and deductibles. In other words, Medigap acts as a financial buffer, reducing the expenses you’d otherwise need to pay yourself.
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Medicare Part D
Medicare Part D is a program that provides prescription drug coverage to Medicare beneficiaries. It’s available through private insurance companies approved by Medicare and can be added to Original Medicare (Parts A and B) or certain Medicare Advantage plans.
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Dental and Vision
Medicare Parts A &B and Medicare Supplements do not cover routine dental and vision They do cover some medical services deemed necessary. Medicare Advantages (Part C) have these benefits built into the plan. There are separate plans you can apply for that have benefits for routine and major services.