Medicare Plans.

What is Medicare?

Medicare is a fee-for-service health care program for seniors, in which the government pays health care providers directly for services that fall under Parts A and B of Medicare benefits (see below). However, if you are looking for more coverage than Original Medicare, you can purchase one of our Medicare Advantage Plans to receive all your Part A and Part B benefits.

Medicare is divided into four categories.

This allows you to customize your personal coverage when shopping for a comprehensive policy.

Part A.

Hospital Insurance

Covers hospital care, emergency services, nursing home care, home health services and hospice.

Part B.

Medical Insurance

Covers medically necessary services and supplies used for diagnosing and treating medical conditions and preventative services.

Part C.

Combination A+B+D

Combines Parts A and B and often part D as well.

Part D.

Drug Coverage

Offers prescription drug coverage.

Medicare Options.

Original Medicare offers coverage for services and supplies that are considered to be medically necessary, such as doctor visits, lab tests and wheelchairs.There are two Medicare plans that we can assist you with:

Medicare Advantage Plan.

Also known as Part C, combines Part A and Part B as a replacement to Medicare for more comprehensive health care coverage. This plan can be customized with additional coverage, such as a prescription drug program (Part D), vision and dental.

Medicare Supplemental Plan.

Also known as Medigap, has a higher premium but supplements the coverage gaps and deductibles that Part A and Part B leave behind.