Medicare Insurance Professionals

We work to understand your needs and find the Medicare coverage that fits your individual situation. We can help you with every aspect of Medicare planning, including:

Medicare Advantage Plans: Sometimes called “Part C,” or “Advantage Plans,” Medicare Advantage Plans are offered by private companies approved by Medicare. Medicare pays these companies to cover your Medicare benefits.

Medicare Supplement “Medigap Policies: A Medicare Supplement Insurance (Medigap)” policy helps pay some of the health care costs that Original Medicare doesn’t cover, like:

• Copayments
• Coinsurance
• Deductibles

Medigap policies are sold by private companies.

Medicare Part D: Also called the Medicare prescription drug benefit, Medicare Part D is an optional United States federal-government program to help Medicare beneficiaries pay for self-administered prescription drugs through prescription drug insurance premiums.

Long-Term Care: Long-term care (LTC) insurance is coverage that provides nursing-home care, home-health care, personal or adult day care for individuals above the age of 65 or with a chronic or disabling condition that needs constant supervision. LTC insurance offers more flexibility and options than many public assistance programs.

Hospital Indemnity: Hospital Indemnity insurance, also called Hospitalization insurance or Hospital insurance, is a plan that pays you benefits when you are confined to a hospital, whether for planned or unplanned reasons, or for other medical services, depending on the policy.

Final Expense: Final expense insurance (or burial insurance) is a policy that is used to pay for burial expenses and funeral services to ease the financial burden placed on a family in the event the named insured dies. The features of a final expense insurance policy include: No medical exam required.