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Medicare Options and Supplements

Medicare - 

When you turn 65 or have certain health issues, you can enroll in Medicare. You can begin you your enrollment 3 months before the the month of your birth. Enrollment can be completed online at SSA.gov and clicking on the Medicare Tab. It helps if you have set up an account with Social Security before beginning your enrollment. 

Medicare Advantage Plans

Privatized Medicare that offers equivalent coverage to Original Medicare (by itself). Getting a Medicare Advantage Plan requires that you continue to pay your premium for Part B ($174.40). The majority of MA plans have a $0 premium but you are responsible for co-pays up to an out of pocket maximum of typically $5,500 to $8.700 per year.

Medicare Supplement Plans

Supplement plans A-N offer comprehensive coverage accepted everywhere. They provide coverage with very little out of pocket risk and no networks. These plans require that you add coverage for Prescription Drugs and other benefits like Dental, Vision and Hearing if you want these items covered. Which plan is best for you?

We recommend a consultation to determine what coverage would be best for you.

Featured Insurers

We do not offer every plan available in our area. Any information I provide is limited to those plans we do offer in your area. In most areas we represent 4 organizations that offer 51 plans. Please contact www.Medicare.gov, 1-800-MEDICARE, or your respective State Health Insurance Program  to get information on all of your options.

That being said we selected our plans based on experience, familiarity, national networks and innovative plan designs.

Schedule online. It's easy, fast and secure.

Long Term Care

Asset Based LTCi
Patient and Nurse

Asset Based coverage is the most popular option today, as it brings stable premiums and money back is you need it, change your mind or never need care. These powerful products also offer indemnity benefits for ease of claims, lifetime benefits and simplified underwriting. 

Traditional LTCi

The primary advantage to Traditional Coverage is that it allows you to buy the most coverage for the lowest premium. However, the premium can be lost if you never need care, and the premium can increase over time.

Extended Care

Extended Care typically allows for between $50,000 to $100,000 to be used on care for a year. But coverage double if you recover during your first year of care. The real advantage is that these plans offer simplified underwriting and can be acquired up to age 90.

Service Plans
Important Questions
  • What do I like/dislike about my current health plan?

  • How important is it to be able to see any doctor I want?

  • Do I Travel frequently?

  • Can I really cover out of pocket expenses up to $8,700 per year?

  • Do I have chronic health conditions that are likely to get worse?

Nurse

Service Plans allow you to buy blocks of hours which can be used for home care in the future, but with huge discounts of 75% to 80% off the cost of those hours. Since you are buying hours the plans have built in inflation protection. The premiums DECREASE during the first 5 years. They also have no age limits and no underwriting. 

Learn your best option

Schedule online. It's easy, fast and secure.

Coverage Options To Complete Your Medicare Advantage Plan

Recovery Care

Can help pay for missing Rehabilitation days if you have a Medicare Advantage Plan. Also, offers extended care benefits, similar to LTCi.

Hospital Indemnity Plans

Can help pay your Out Of Pocket Hospital Costs if you have a Medicare Advantage Plan.

Cancer, Stroke and Heart Attack Coverage

Help with  unprotected cost associated with common, catastrophic health issues.

Learn your best options

Schedule online. It's easy, fast and secure.

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