Insuring Your Trust

Medicare Advantage

Also known as Medicare Part C, Medicare Advantage is a Medicare -approved plan offered by insurance companies and serve as an alternative to Original Medicare (Medicare Parts A & B) for your health & drug coverage. These "bundled" plans combine Medicare Parts A, B & D (prescription drug coverage). They utilize a network of healthcare providers but may have out-of-network coverage as well. There are several types of M.A. plans: HMOs, HMOPOS, PPOs, SNPs, MSAs & PFFS. They typically employ deductibles, copays & coinsurance up to an annual out-of-pocket maximum. They may also include extra benefits like: Dental, Vision, Hearing Aids & more.



Medicare Supplement

Also known as MediGap, Medicare Supplements are purchased from insurance companies to help pay for your out-of-pocket medical costs not covered by Original Medicare (Medicare Part A & B). Generally, Prescription Drugs are not covered and to get drug coverage, you'll need to enroll in a Medicare Part D plan. You can use any doctor or hospital that takes Medicare, anywhere in the U.S. Medicare Supplements are "standardized" and identified in most states as" Plan A - D, F, G, K - N. Meaning a Plan G with one carrier is the same as a Plan G with another. (Massachusetts, Minnesota & Wisconsin have their own standardized plans). So it pays to shop.

Medicare Part D

Also known as Medicare Prescription Drug coverage, like Medicare Advantage, is Medicare-approved and offered by insurance companies. It's advisable to enroll in one when first eligible for Medicare, especially if you do not have any other creditable drug coverage (like from an employer). Typically, you would enroll in a Part D plan at the same time you enroll in Medicare Part A and/or B. Most Medicare Advantage plans include Part D drug coverage. The recent passage of the Inflation Reduction Act has made several positive changes to how prescription drugs will be covered in the future.

Health Insurance

Are you responsible for getting your own health insurance & don't qualify for Medicare or Medicaid?  Whether you're self-employed, coming off of an employer-group plan or simply new to the world of buying health insurance for the 1st time, let us help you find the most suitable coverage money can buy.

Depending on the state you reside in, there are multiple ways to get the protection you need and can afford: ACA/Marketplace plans, robust Fixed-Benefit plans, Healthcare Sharing plans, Short -Term Medical plans, etc.

Small Employer Health Insurance

Section 125 Cafeteria Plans, Self-Funded plans, Section 105 Plans, HSAs, FSAs, HRAs, HMAs, MSAs, blah, blah, blah. Small employers want to do the right thing for their employers without breaking the bank, but where do you start? While each of the aforementioned options have their place, tax-advantaged HSAs (Health Savings Accounts) paired with a High-Deductible Health Plan or one of the HRA options (Health Reimbursement Arrangement: Section 105 HRAs, Individual-coverage HRAs, etc.) serve to lower both the employers and employees annaul healthcare expenditure.

Insurance for the Gaps

According to the Consumer Financial Protection Bureau, over half of all debt on credit reports stems from medical expenses. Most Americans assume that if they have health insurance, their medical bills will be taken care of. Furthermore, if one experiences a serious injury or illness, there's the risk of other financial consequences, like time away from work, that has to be accounted for. In fact, 53% of costs associated with cancer are non-medical, indirect costs. Accident, Cancer and Critical Illness insurance can fill significant "gaps" in coverage and help you avoid serious financial pitfalls.