Coverage you need – when you need it – at the right price.
Without the right Medicare coverage, members are often left with high out-of-pocket expenses or having to sacrifice their preferred care to cut costs. We care about your needs and we want to help you make proactive decisions about your coverage.
- We always start by discussing your coverage needs during a Needs Analysis, this includes reviewing your current prescriptions and providers and any existing coverage.
- Once we help you determine which plan option is the best fit, we walk through the enrollment process with you. But our relationship doesn’t end there.
- We always follow-up to make sure you are getting the most out of your plan benefits.
- And each year we check-in to make sure you’re still happy with your plan and aware of any changes to your coverage.
Our trusted advisors are here to help you get the right coverage from the leading carriers in the region. Ultimately the decision is yours, but we will provide counsel on the options that may serve you best.
*We work with most major insurance carriers. However, we do not offer every plan available in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Types of Coverage
Medicare is a federally-sponsored health insurance program for those 65 or older and for younger individuals with disabilities or people with end-stage renal disease. Original Medicare options include Part A (hospital coverage) and Part B (medical coverage). Most will not have a premium for Part A and Part B has a standard premium based on income. Both parts of Original Medicare has a deductible.
Medicare Part D
Medicare Part D provides prescription drug coverage. These plans are in addition to Original Medicare. Every Medicare Part D plan must offer the same base level of coverage. However, prescription drug coverage and costs may vary by plans. So it’s important to consider your existing prescriptions when choosing the right plan.
Medicare Advantage plans provide both Part A and Part B coverage, including coverage for inpatient hospital care, lab tests, surgery, home healthcare, ambulatory services, treatment of medical conditions, and preventative services. These plans often include prescription drug coverage. Many plans also cover vision, hearing, and dental. Exact coverages and policies vary by plan.
Life insurance is an essential part of planning for the future and providing security for your loved ones. Finding the best life insurance policy depends on a variety of factors, and it is best to meet with a trusted advisor to find what’s right for you.
Vision & Dental
Vision and dental plans are often purchased in addition to Original Medicare to cover these services. Some Medicare plans include vision and dental coverage, therefore, it is important to meet with an advisor to make sure you don’t end up with too much or too little coverage.
Individual Health Plans
Individual Health Plans are insurance coverage options available for individuals to purchase on their own, independent of an employer, association, or other program. Like other types of insurance coverage, Individual Health Plans cover your medical expenses, but exact coverage is determined by the plan you chose.
Providing personalized service & building lasting relationships
From the first needs analysis to each yearly plan review, our goal is to help you gain peace-of-mind in your coverage. We’ll never charge you a fee or pressure you into a decision and we’re always here to find a resolution to your questions and concerns.
- Needs Analysis
- Plan Comparisons
- Annual Plan Reviews
- Current Benefits Explanations
- Coverage Evaluations
- New Member Orientation