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Health Insurance

<h2>Choosing a Plan</h2>

Choosing a Plan

Medical insurance plans are complex and difficult by design. We are happy to assist you navigating the process and finding the best rates and coverage for your specific needs. We can walk you through the steps to obtain the desired coverage.

We offer:

  • Individual & Family Health Insurance
  • Medicare Advantage, Medicare Supplement, and Medicare Prescription Drug Plans
  • Small Business Health Insurance
  • Long-Term Care Insurance
<h2>Medicare</h2>

Medicare

When you are ready to claim your Medicare benefits, we are here to help maximize your coverage at the lowest cost possible. You are already entitled to Medicare Part A and Medicare Part B (original Medicare), but we can help you find affordable policies for additional Medicare coverage based on your needs.

Medicare Part C: Medicare Advantage

Medicare Part C: Medicare Advantage

A type of Medicare health plan offered by a private company that contracts with Medicare to provide you with all your Part A and Part B benefits. Medicare Advantage Plans include Health Maintenance Organizations, Preferred Provider Organizations, Private Fee-for-Service Plans, Special Needs Plans, and Medicare Medical Savings Account Plans. If you’re enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan and aren’t paid for under Original Medicare. Most Medicare Advantage Plans offer prescription drug coverage. Find out more at healthcare.gov

Medicare Part D: Medicare Prescription Drug Plans

Medicare Part D: Medicare Prescription Drug Plans

Medications are expensive and unfortunately Medicare Parts A and B do not cover all prescription drugs with the benefits you already paid. Medicare Part D prescription drug plans are designed to lower your prescription drug cost. We can help you navigate these plans to provide the coverage you want.

Medicare Supplement Plans

Medicare Supplement Plans

For those that want to fill the gap in coverage left by Medicare Parts A and B, Medicare supplement plans are a way to provide lower cost and provide consistency in out-of-pocket costs. We can help you purchase Medicare supplement plans to help you cover the services you need.

<h2>Affordable Care Act (ACA) Individual/Family Plans</h2>

Affordable Care Act (ACA) Individual/Family Plans

The Affordable Care Act (ACA) provides for income driven marketplaces for health insurance in every state that provides four varying levels of coverage. These marketplaces can be overly complex but that does not mean you should lose out on health insurance coverage. We can help you navigate the red tape to find you the coverage that best fits your needs.

The open enrollment period for the Affordable Care Act (ACA) individual/family plans starts on November 1 and ends on January 15. Outside of open enrollment, a qualifying event is necessary to enroll or make changes to your coverage. Following is a list of examples of qualifying events:

  1. Involuntary loss of coverage
  2. Individual plan renewing outside of the regular open enrollment
  3. Becoming a dependent or gaining a dependent?
  4. Marriage or Divorce (in some state-run exchanges)
  5. Becoming a United States citizen or lawfully present resident
  6. A permanent move
  7. An error or problem with enrollment
  8. Employer-sponsored plan becomes unaffordable or stops providing minimum value

Various exceptional circumstances

Contact us at: (888) 315-2439

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