Medicare Supplement (MediGap) Insurance

A Medicare Supplement (MediGap) policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Medicare Supplement policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover. Through Original Medicare, about 80% of health care costs are covered.

Medicare Supplement policies generally cover the remaining 20% of out-of-pocket costs including co-pays and deductibles. If you are in the Original Medicare Plan and have a Medicare Supplement policy, then Medicare and your Medicare Supplement policy will each pay their share of covered health care costs.

If a Medicare Supplement Plan is right for you, enroll in the first six months after you turn 65 and have enrolled in Medicare Part B. During this period, you are guaranteed acceptance into any Medicare Supplement Plan offered in your geographic area by any company without your having to answer any medical questions. After the six (6) month period is over, you may have to answer medical questions, and the insurance company may deny coverage or charge you higher rates because of your medical conditions.

Because MediGap plans are standardized by the government (designated as plans A through L), comparative shopping is easy. For example, any Plan G offered by any carrier within a certain geographic area will be exactly like and perform the same as any other company’s Plan G. The only difference will be what each company charges in premiums.

Being highly portable, any doctor accepting Medicare will accept a Medigap policyholder for services.

 

For Medicare Supplement Insurance quotes for you or you and your spouse from any/all of our companies,
please click on the button below and fill out our major medical health quote  form.

 

Critical Illness Insurance

Bridging a Critical Gap... While the chances of surviving a critical illness are greater than ever, living with the conditioncan create severe financial hardships.

Critical Care supplemental insurance is designed to help cover these additional expenses associated with a critical illness diagnosis. The benefit is paid directly to you to use as you see fit - regardless of what is covered by your other insurance plans.

Cancer ~ Heart Attack ~ Stroke ~ Kidney Failure ~ Coma ~ Loss of Sight, Speech, or Hearing

Major Organ Transplant ~ Paralysis ~ Severe Burns

     

For more information or to get a critical Illness insurance quote, please click on the button below and
fill out our critical illness quote form.

 

 

There's a good chance that you may need to pay for nursing home, assisted living or, home health care one day.  In fact, more than half of the U.S. population will require long-term care at some point in their lives.

If you're concerned about being financially secure during your retirement years, you owe it to yourself and your loved ones to protect yourself against what could be the greatest threat to your financial security... the cost of long-term care.

For more information or to get a quote, please click on the button below and fill out our long term care quote form.

 

Accident Insurance

Accident Insurance offers affordable coverage for eligible medical expenses like ambulance, ER, X-rays, hospital stays, doctor visits and prescriptions, if you are injured in an accident.

A Basic Medical policy, also known as a Hospital-Surgical policy or Mini Med policy, may be an alternative for individuals that may not qualify due to an existing health condition, or may not feel they can afford a more expensive, but far more comprehensive Major Medical policy.

 

Typically, Basic Medical policies have a specific dollar amount limit on the daily hospital room & board, and surgical procedures are limited by a specified schedule. Outpatient services, if covered at all, will also be limited to specified amounts. Outpatient prescription drugs are generally excluded. A drug discount card of marginal value may or may not be included. The policy may have additional limits such as maximum benefits per cause, per confinement, or per year rather than per lifetime.

 

 

 

 

Discount Plans

Discount plans are not insurance. Discount plans provide access to discounts off the retail price or fee for service for dental, vision, hearing, prescription drugs, and medical. The discounts for dental, vision, and hearing services can be substantial. The discounts for prescription drugs and medical services are rarely worth the effort of utilizing a participating provider.

 

If one can locate an acceptable dentist, optometrist, and audiologist within one’s geographic convenience, a reasonably priced discount plan may well be worth considering in lieu of a far more expensive insurance policy to cover these services.