Products

Medicare Advantage plans

A Medicare advantage plan is a type of Medicare health plan offered by a private company that has a contract with Medicare to provide your health care Insurance. A Medicare advantage plan covers Hospital part A medical part B and prescription drugs part D. It gives you all of your needed coverage in one convenient place. Many of these plans include extra benefits such as a free gym membership, vision, hearing aid coverage and some plans also include dental. Many Medicare beneficiaries are drawn to these plans because of the low premium in fact several plans charge a zero premium. To get all the details of the Medicare advantage plans please contact us today for free consultation.

Medicare Supplemental insurance

Medicare supplements supplement Original Medicare part A and part B. The plans range from plan A to plan N. All supplement plans are standardized by Medicare, meaning a plan F with XYZ insurance company is the same plan F with ABC insurance company the only difference is the company's name, customer service and the premium they charge. The advantages to a supplement plan is there is no network of doctors or hospitals so as long as your provider accepts Medicare they will except your Medicare supplement plan. The other benefit is you have a set monthly expense or premium each month so there are no unexpected surprises. Medicare supplement plans do not include a Medicare part D prescription drug plan so that would need to be purchased separately. For more information about Medicare supplement plans please contact us today for a free consultation.

Medicare Part D Prescription Drug Plans

Individuals are eligible for prescription drug coverage under part D plan if they are entitled to benefits under Medicare part A and or enrolled in part B. Beneficiaries can obtain the part D drug benefit through two types of private plans. They can join a stand-alone prescription drug plan PDP for drug coverage only or they can join a Medicare Advantage plan that covers both medical services and prescription drugs called an MA-PD. To find out how a prescription drug plan would work in conjunction with a Medicare supplement or inside a Medicare advantage plan please call us today for further details.

Long Term Care

Long term care covers you when you have a physical illness, disability or cognitive impairment such as Alzheimer's disease that affects your ability to do everyday activities. Long term care is different from traditional medical care. Traditional medical care tries to treat or cure Illnesses. Long term care usually won't improve your medical condition but it will help you maintain your current lifestyle. It helps with normal daily activities such as eating, getting around and bathing. It can also help if you need supervision, protection or reminders to take medicines or perform other activities. You can get long term care services at your home or in a hospice, adult daycare center, nursing home, or assisted living facility. To find out how much long term care coverage you might need call us today for a free consultation.

Cancer Plans

A cancer plan will pay the beneficiary directly a lump sum upon first diagnosis $5000-$25,000. This money can go to pay all the unexpected costs that are related to cancer, for example, time off work, travel, day care, co-pays, second opinions, etc.

Dental Plans

As we get older dental is one of the first things to go, that is why having a good dental plan is just as necessary as having a good medical plan. For more information about the dental plans we offer please contact us today.

Annuities

Fixed, indexed and immediate annuities. With all the financial uncertainty our clients have loved getting a guaranteed rate of return. For more information about current rates and guarantees please contact us today.

Life Insurance

Life insurance is a key component to everyone's life plan. No one wants to leave a burden on their spouse or loved ones that is why life insurance is a necessity in today's environment. For information about all the different products and rates please contact us today for a free quote or life-insurance consultation.

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