© 2007 Created by McCunis-Fox Corporation

"Doing the right things for the right reasons" -Stephen R. Covey

    Insurance Plans

    Medicare Advantage Plans  (MA & MAPD)

     

    Medicare Advantage (MA) plans, also called Medicare Part C, offer all the benefits of Medicare Part A and Part B. Many also include benefits like routine hearing and vision care, a fitness program, wellness services or a nurse helpline. An MA plan might be a good choice if you'd like coverage beyond what Original Medicare provides, but don't need prescription drug coverage.

    Medicare Advantage Prescription Drug Plans (MAPD) cover Prescription Drugs which are plans with Medicare Part A (Hospital Insurance), Part B (Medical Coverage) & Part D (Prescription Drug Coverage).

    Medicare Supplements

     

    A Medicare Supplement (Medigap) policy helps pay som of the health care costs that Original Medicare doesn't cover such as copayments, coinsurance, and deductibles.  You must have Medicare Part A & Part B to get a Supplement and then you pay a private insurance company a monthly premium for this type of policy.  These types of policies do not include prescription drug coverage which means you will have to obtain a Medicare Prescription Drug Plan (Part D).

    Supplements do not cover long-term care, vision, dental, hearing aids, eye glasses or private duty nursing.

    Prescription Drug Plans

     

    Medicare offers presription drug coverage to everyone with Medicare.  If you decide to not get drug coverage when you are first enrolled, you will likely pay a late enrollment penalty unless you have other creditable coverage or you get Extra Help.  There are different ways to get drug coverage please check with your agent for the different ways to get drug coverage.

    Individual Health Plans - Under 65 years old

     

    Health insurances helps protect you and your family from the high costs of health care.  It helps pay for doctor visits, hospital stays, prescription drugs and preventative care. You can choose from a variety of insurance plans with different levels of coverage to fit your needs.

    Group Plans

     

    These are employer-sponsored health insurance plans purchased by the employer and offered to elgible employees and their dependents.  These plans help pay for doctor visits, hospital stays, prescription drugs and preventative care. There are a plans chosen by the employer that are offered to their employees to choose from with various coverage levels.

    Final Expense

     

    Final expense insurance is designed to cover the bills that your loved ones will face after your death such as medical bills and funeral expenses.  There are plans available for all ages in various amounts depending on your needs.