Your Medicare Options
Medicare Supplement (Med Sup) plans are just that, supplemental plans that work in tandem with Medicare Parts A and B. Medicare Supplements are used to cover the gaps of Parts A and B and are designed to lower out-of-pocket costs.
MEDICARE SUPPLEMENT INSURANCE
A Medicare Advantage plan is a plan offered by a private company that contracts with Medicare to provide Part A and Part B benefits to people with Medicare who enroll in an Advantage plan.
MEDICARE
ADVANTAGE
Prescription drug plans are plans that help our clients afford their prescriptions and have peace of mind knowing that they won’t have to choose between which prescription to fill when money gets tight.
PRESCRIPTION
DRUG PLANS
Original Medicare (Parts A & B) excludes most coverage for dental, vision, and hearing services and products. Many Medicare Advantage plans include some dental, vision, and hearing coverage beyond what Original Medicare offers.
DENTAL, VISION,
& HEARING
Long-term care and recovery are two of the biggest issues when it comes to out-of-pocket costs for clients. Many of our clients are Medicare age or will be soon and with that comes the realization that two of Medicare’s biggest gaps are in regards to long-term care, both in-home care and long-term care facilities, as well as short-term recovery and private nursing services
RECOVERY CARE
If you are diagnosed with a specified disease, such as cancer, your major medical or Medicare may cover the cost of seeing a specialist, but it won’t cover the cost of their travel to and from treatment, lodging if you must travel long distances for treatment, or lost wages if you or your spouse is still working. Specified disease policies will payout to help you during the difficult time of diagnosis and treatment of one of these dreadful diseases.
CANCER & CRITICAL
ILLNESS INSURANCE
While Medicare Advantage Plans may save you on monthly premiums, it can expose you to risk of out-of-pocket costs. Many clients can’t afford these out-of-pocket costs. Hospital Indemnity plans help cover the major areas of financial risk. Not only does it cover inpatient hospital copays and observational care in a hospital, it provides all of this at a fraction of the cost of a Medicare Supplement.
HOSPITAL INDEMNITY
PLANS
Each individual has their unique needs to be met. Contact me today to start getting the full picture of what your coverages can look like!
AND MORE!
