Need help selecting the perfect Medicare plan?

Let's work together to find the plan that fits your unique needs.

We understand the importance of having access to affordable and comprehensive healthcare, especially as we age.

That's why we offer Medicare Insurance tailored explicitly for seniors.

Get the care you need without worrying about the cost.

Learn about the types of Medicare plans available

Medicare Part C - Medicare Advantage

If you're looking for an alternative to Original Medicare, then you might want to consider Medicare Advantage plans. Private insurance companies offer these plans, providing all the benefits of Medicare Part A (hospital) and P2 Column part B (medical), plus additional coverage like prescription drug coverage, dental or vision coverage, and other benefits. The best part is that these plans are affordable; some even have a $0 monthly plan premium.

Types of Medical Advantage Plans

Plans under the category of HMO are created to furnish comprehensive benefits to seniors. These plans cover Medicare Parts A and B, along with most prescription drugs. Additionally, they come with the added benefit of an annual out-of-pocket cost limit, providing financial security. Once you hit this limit, you won't have to pay for any covered services for the remainder of your plan year. This way, you can focus on your health and well-being without worrying about excessive medical bills.

HMO plans often come with lower monthly premiums and copays compared to other types of plans, making them a practical and affordable choice for those seeking quality healthcare services.

Preferred Provider Organization plans are flexible because they allow you to see any doctor who accepts the plan's terms and is approved by Medicare - regardless of whether they are in the provider network. PPOs have higher monthly premiums in exchange for more flexibility in choosing healthcare providers. However, if you decide to see an in-network doctor, you'll usually pay less for your medical care.

It is a type of health insurance that includes all the benefits of traditional Medicare, such as hospital and medical insurance, but with some extra coverage. They can also include prescription drug coverage. One of the benefits of PPO plans is that they have a limit on the amount of money you have to pay out of your pocket each year. Once you reach that limit, the insurance company pays for everything else for the rest of the year.

A Special Needs Plan (SNP) is a kind of health insurance that includes all the benefits of Original Medicare and coverage for prescription drugs. This plan is only available to people with certain medical conditions or who are eligible for Medicare and Medicaid. An SNP can help you get the necessary healthcare coverage if you qualify.

2 Types of Special Needs Plan

Chronic Condition Special Needs Plans are special healthcare plans for people with long-term medical conditions like diabetes, heart disease, and chronic lung disorders. These plans offer personalized care and support to meet patients' specific needs.

Dual-Eligible Special Needs Plans (D-SNPs) are health insurance plans designed for people who have both Medicare and Medicaid. These plans combine all your Medicare and Medicaid benefits into one simple, easy-to-manage plan.

Private Fee-For-Service (PFFS) plan provides more flexibility in choosing healthcare providers. You can see almost any Medicare-approved provider, so you can rest assured that you have more options to get the care you need and deserve.

Most PFFS plans cover prescription drugs and emergency services, no matter where you are. These plans also include all the benefits of Medicare Parts A and B.

One of the best things about PFFS plans is their annual maximum out-of-pocket cost limit. Once you've reached this limit, you won't have to pay anything for covered services for the rest of the plan year.

Medicare Advantage Plans prioritize your health and wellbeing with comprehensive coverage.

Vision

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National network

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Medicare Part D - prescription drug Benefits

Medicare Part D is a program that can help you pay for your prescription drugs. It is not mandatory, but it is available to everyone eligible for Medicare. Private insurance companies that the government has approved offer these plans, and they can differ in coverage and cost.

2 ways to get Medicare Part D prescription drug coverage

  • Standalone Prescription Drug Plan with Medicare

    If you have Medicare coverage, you can also add a prescription drug plan to help with the cost of your medications. It's called Part D, and you can sign up for it even if you already have Medicare Parts A and B.

  • Part of a Medicare Advantage Plan (Medicare Part C)

    Medicare Advantage plans are a type of health insurance that provides hospital insurance (Part A) and medical insurance (Part B) coverage. Prescription coverage may be included in Medicare Advantage plans. However, not all Medicare Advantage plans cover prescription drugs, and you must have Part A and B to be eligible for Medicare Advantage.

Special Needs Plans

If you are eligible for Medicare and have a specific health condition or qualify for both Medicare and Medicaid, a Special Needs Plan (SNP) can be an excellent option. This type of health insurance plan combines Original Medicare (Parts A and B) and a range of advantages with prescription drug coverage (Part D), giving you comprehensive coverage for your healthcare needs.

Understanding the different types of Special Needs Plans can help you make informed decisions about the plan that perfectly fits your healthcare requirements.

  • Chronic Condition Special Needs Plans 

If you have a chronic condition like diabetes, heart disease, or lung problems, you may be able to get special care through a program called Chronic Condition Special Needs Plans (C-SNPs). These plans are designed to provide extra support for people with qualifying conditions, so they can manage their health more effectively.

  • Dual-Eligible Special Needs Plans

If you have both Medicare and Medicaid, you might want to consider enrolling in a Dual-Eligible Special Needs Plan (D-SNP). This type of plan combines all your Medicare and Medicaid benefits into one convenient package, making it easier for you to manage your healthcare. With a D-SNP, you can get the care you need without having to worry about navigating multiple plans or confusing benefits.

Medicare Supplement

If you're looking to purchase a Medicare Supplement plan, there are a few things you need to keep in mind. First, you must already be enrolled in Medicare Part A and Part B. Second, the policy you're interested in must be available in your state. Finally, you must be at least 65 years old or, in some states, under 65 with a disability or end-stage renal disease.

Medigap plans cover costs not included in original Medicare.

They fill in gaps and provide extra medical expense coverage.

BUT, these plans typically do not cover certain healthcare services and items.

  • Long-Term Care

Coverage for care in a nursing home, catering to the needs of elderly or disabled individuals requiring assistance with daily living activities.

  • Vision and Dental Care

Generally not covered by Medicare Supplement plans, emphasizing the importance of alternative coverage for maintaining healthy teeth and eyesight.

  • Hearing Aids

Typically excluded from these plans, despite their necessity for individuals with hearing impairments.

  • Private-Duty Nursing

Skilled nursing care in a non-hospital setting, not covered by most Medicare Supplement plans.

  • Prescription Drugs

Often a significant expense for seniors and those with chronic health conditions, typically not included in Medicare Supplement plans.

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