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 Advantage (HMO's & PPO's) or Medicare Supplements or Medigap]
Prescription Drug Policies
(Including Final Expense/Burial Insurance)
Long-Term Care Insurance
Dental, Vision, Hearing Coverage
Special Needs Insurance
The companies we work with for your total coverage:
- New Era/ Philadelphia American
- Lumico / Elips
- Medico / Wellabe
- ACE (underwritten by CHUBB)
- SNPJ (Slovene National Benefit Society)
- United Healthcare/ AARP
- And more ...
We’ll help you learn all you need to know about Medicare and optimizing your coverage.
There are two different ways you can go:
- Medicare + Medicare Supplement (Medigap plan) & Part D Drug plan (if drug coverage is needed)
- Medicare Advantage with Part D Drug plan.
In either case you pay $164.90 (for 2023) 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:
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. As of Jan 1,2020 all new plans issued have a part B deductible of $226 (2023). Grandfathered non deductible plans pre 2020 may be rewritten (pending passing carrier underwriting) and bypass the deductible.
Cost: Varies depending on type of plan, age, gender, carrier and zip code. Supplement premiums increase yearly. Having a supplement necessitates a stand alone drug plan, with premiums,deductibles, varying based on carrier. Formularies and costs of drug plans can change from year to year.
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.
Additional Benefits: None
Network: Each plan (HMO's and PPO's) has specific networks. PPO plans let you go outside the network traditionally for an additional cost, however some plans now have the same cost for in and out of network coverage, giving similar network benefits as a supplement. HMO's will not pay for out-of-network medical visits or procedures.
Copays: In many cases 0 to $15 for primary care, $15 to $30 for a specialist, $0 -20 for bloodwork, $50 to $200 for diagnostic tests (x rays MRI, CT scan) and $100+ for hospitalization.
Deductibles: Can range from $0 to $1,250. You typically see a deductible on more antiquated plans, most of the new plans today do not have a deductible. If your plan currently has a deductible, please enquire about a plan benefit review, you could be overpaying.
Cost: Varies depending on type of plan and company chosen.
Drugs: Drug plan included with most plans, with no additional cost, saving you both the monthly premiums and the deductible of a stand alone prescription drug plan
Consistency: Varies with plan and carrier, benefits may change from year to year, many times for the better (adding additional perks).
Additional Benefit: Many Medicare Advantage Plans come with rich benefits, such as gym membership, vision coverage, dental coverage, and quarterly over the counter benefits.
Mandatory Disclaimer Required regarding ONLY Medicare Advantage Plans and Medicare Prescription Drug Plans:
We do not offer every plan in your area. Currently we represent 9 organizations which offer 2,911 Products in your area. Please contact Medicare.Gov, 1-800-Medicare. or your local state health insurance plan to get information on your options"
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For Prescription Drug plan holders and Medicare Advantage policyholders, and those interested in transitioning from a Medicare Supplement plan to an Advantage plan
In most situations, normal changes in plans cannot be made until the next Annual Enrollment period (AEP) ; for 2023 that is:
October 15 - December 7, 2023.