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Services

The best insurance coverage for you—at the best possible prices.

Insurance coverage protection that’s there when you need it!

As independent agents, we take the responsibility of dealing with the insurance companies on your behalf. If there’s ever any difficulty processing a claim, or if you just need more information, we’ll be there to help guide you and the process along.

We offer comprehensive insurance coverage for all your needs:

Medicare Policies

[Medicare Advantage (HMO's & PPO's) or Medicare Supplements or Medigap]

Prescription Drug Policies

Life Insurance

(Including Final Expense/Burial Insurance)

Long-Term Care Insurance

(Nursing/Home Care)

Annuities

Health Insurance

Dental, Vision, Hearing Coverage

Special Needs Insurance

(Cancer/Hospital Indemnity)

The companies we work with for your total coverage:

  • UCTSM (United Commercial Travelers)
  • Highmark®
  • Mutual of Omaha®
  • New Era
  • Family Life®
  • Cigna®
  • Presidential
  • United Healthcare®
  • Coventry®/Advantra®
  • Humana®
  • SNPJ (Slovene National Benefit Society)
  • WCU (Western Catholic Union)
  • Aetna®
  • UPMC
  • And More...

We’ll help you learn all you need to know about Medicare and optimizing your coverage.

3d small people - stethoscope and medical kit

There are two different ways you can go:

  1. Medicare + Medicare Supplement (Medigap plan) & Part D Drug plan (if drug coverage is needed)
  2. Medicare Advantage with Part D Drug plan.

In either case, you pay  $134 (for 2017) for Part B every month and add the cost of either the Supplement and Part D plan or Medicare Advantage plan.

I've illustrated some of the differences between these plans below, but these are not absolutely exclusive or all-encompassing:

Medicare Supplement

Network: ALL doctors that accept Medicare, which is most doctors.

Copays: Varies depending on plan but could be NONE.

Deductibles: Varies depending on plan but could be NONE.

Cost: Varies depending on type of plan, age, gender, and zip code.

Drugs: Need to purchase separate drug plan if drug  benefits coverage is required.

Consistency: Plan benefits stay the same every year.

Eligibility: Must answer medical questions if outside initial open enrollment period. No health questions during the first 6 months when enrolling in Part B of Medicare.

Medicare Advantage

Network: Each plan (HMO's and PPO's) has specific networks. PPO plans let you go outside the network for an additional cost. HMO's will not pay for out-of-network medical visits or procedures.

Copays: $10–$80 for doctor visits, $20–$100 for diagnostic tests and $100+ for hospitalization.

Deductibles: Can range from $0 to $1,250.

Cost: Varies depending on type of plan and company chosen.

Drugs: Drug plan included with most plans.

Consistency: Plan benefits often change from year to year.

Eligibility: Only medical question asked is in regards to end-stage renal disease. Special plans are available for those with kidney failure or chronic conditions.

Get a FREE, no-obligation quote of your insurance needs and a FREE insurance card holder!

Get in touch with us today. We’re looking forward to working with you to help bring you peace of mind now and for the future!

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For Existing Medicare Advantage Policyholders

In most situations, normal changes in plans cannot be made until the next annual election period (AEP); for 2018 that is:

October 15 -December 7, 2017.

(Plans can also be changed under "Special Enrollment" exceptions.)
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