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We offer multiple options for all your insurance needs and you are guaranteed to receive our services free of charge. Reach out to us today and let’s talk about all your options.
Also known as Medigap, Medicare Supplement Plans are used to lower any out-of-pocket costs you may have from Original Medicare.
Medicare Advantage Plans, also known as Medicare Part C, offers you the same benefits as Original Medicare, with additional benefits that cover other costs not covered by Medicare.
Since Original Medicare doesn’t cover prescription costs, you’ll need a plan that does. Medicare Part D will cover any necessary drugs so you don’t have to.
Final expense insurance is a type of life insurance policy designed to cover the costs associated with passing away.
With over 30 years of experience, we can break down the Medicare process for you and make it more simple so you understand the choices and information handed to you.
We have acquired an abundance of knowledge, and we’re eager to share this expertise with you in the form of articles and blog posts.
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We believe in empowering people to take ownership of their healthcare. Choosing the best plan for you based on your individual needs is the first step.
We are available during the early morning, evening, and weekend hours.
Call us at 1-844-633-5239 to schedule an appointment.
If you or your spouse are still working and receiving health coverage through that employer or union, you may have questions about how your pre-existing healthcare works with Medicare. While it is different for every plan, below are some general tips to help you start to understand your insurance.
The first thing you should do when trying to understand your pre-existing plan and how it co-exists with Medicare is to contact your employer or union benefits representative. Some employer and union insurance packages cover different parts of Medicare than others.
When you have another insurance company along with Medicare, there are situations in which Medicare will pay first, or the other insurance will pay first. This matters because the insurance company that pays first, referred to as the primary payer, pays up to the limits of its coverage. The secondary payer then pays if there are costs that the primary insurer did not cover. However, the secondary payer may not pay all of the uncovered costs depending on their coverage.
We are not connected with or endorsed by the United States government or the federal Medicare program.
Generally, Medicare will pay first if:
Your other insurance will pay first if:
If you have ESRD, your group health plan will pay first for the first 30 months, and then Medicare will pay first.
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You must check with your employer or union benefits representative about whether you need to purchase Part B. Some employer insurances will only pay as the secondary payer if you are enrolled in Medicare Part B.
Additionally, some employers will have prescription drug coverage included in their insurance plans. You should check with your employer whether they cover prescription drugs or if you need to purchase Medicare Part D.
We have experience helping people understand their coverage. Contact us to learn more about your benefits.
We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.