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We only shows Qualified Health Plans that meet the minimum consumer protection requirements set by the ACA.
Our site helps clients find the most affordable plan for their needs and our Consumer Advocates are available by phone for free, expert guidance.
Individual and Group Health Insurance
Nearly everybody is confused about their healthcare options - and rightly so. You want the facts, not opinions. We'd be happy to evaluate your current coverage and present you with side-by side comparisons of alternatives. Contact us Now
Discount Savings Plan
With our dental savings plan you pay an annual fee and get access to significantly lower rates. These dental savings plans offer many benefits that traditional dental insurance lack
- No annual caps or limits
- Simple paperwork.
Choose from more than 30 different plans from brands you are familiar with like Delta Dental Cigna, Aetna and more. Depending on the plan you choose, you'll save 10-60% on your next visit.
More than 140,000 dentists nationwide who have agreed to charge reduced fees on the dental services you need.
Medicare
Medicare by itself has a high deductible for hospital admission, and it only pays 80% of eligible doctor costs. A serious illness could set you back many thousands of dollars. A Medicare Supplement policy covers all or most out-of-pocket medical expenses providing you with peace-of-mind and potential savings. Let us guide you insorting through the numerous Medicare options. We can also help you in choosing a Medicare prescription plan that includes your specific medications.
Long-Term Care and Final Expense Insurance
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Long-Term Care Insurance gives you the financial means and the support options you desire. Whether you require in-home visits, assisted living or skilled nursing care, Long-Term Care Insurance lifts the burden from those around you, improving the quality of life for yourself and for everyone you hold dear.
Your family will always come first. You wouldn`t want them to bear huge and unexpected financial burdens at the time of your passing. No matter what your age, it`s absolutely essential to have a plan in place to protect your loved ones when you are no longer able. Final Expense insurance will pay for your funeral service, bills and other associated costs.
Why Should I Call This Agency for Insurance?
Good question. There are a lot of insurance agents out there and it may seem like any agent or broker is as good as another. But we are decidedly different.
Let's face it, insurance jargon can be very confusing. We know the ins and outs of the insurance business, and our inside knowledge of many companies and many products will work to your advantage. In fact, different insurance companies often charge vastly different premiums for the exact same coverage. As independent agents we are not employed by one particular company. Instead, we can select insurance products from among those companies that best address your unique concerns.
We promise to focus our attention on your benefit exclusively.
Medicare Advantage Plans vs. Original Medicare
Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as certain younger people with disabilities. There are two main ways to receive Medicare benefits: Original Medicare and Medicare Advantage Plans. Here’s a detailed comparison between the two.
Medicare Advantage Plans
Description:
- Medicare Advantage (MA), also known as Part C, is an alternative way to receive Medicare benefits through private insurance companies approved by Medicare. These plans provide all the benefits of Original Medicare (Parts A and B) and often include additional coverage.
Features:
- Comprehensive Coverage: Includes hospital insurance (Part A) and medical insurance (Part B). Many plans also include prescription drug coverage (Part D) and additional benefits like vision, dental, and hearing care.
- Network Restrictions: Many MA plans have a network of doctors and hospitals. You may need to use network providers to get the full benefits.
- Out-of-Pocket Maximum: Medicare Advantage plans have a limit on your out-of-pocket expenses for covered services, providing a cap on what you might pay in a given year.
- Plan Variability: Plans can vary significantly in terms of coverage, costs, and provider networks.
Benefits:
- Cost Predictability: The out-of-pocket maximum provides a safety net against high medical expenses.
- Additional Benefits: Many plans offer services not covered by Original Medicare, making them appealing for those needing extra care.
- Integrated Care: Coordinated care can improve management of health services.
Original Medicare
Description:
- Original Medicare consists of two parts: Part A (hospital insurance) and Part B (medical insurance). It is managed by the federal government.
Features:
- Flexibility: You can visit any doctor or hospital that accepts Medicare, without needing referrals.
- No Network Restrictions: There are no network limitations, giving you broader access to healthcare providers.
- Separate Prescription Coverage: Original Medicare does not include prescription drug coverage, which must be obtained separately through a Part D plan.
- No Out-of-Pocket Maximum: There is no limit on out-of-pocket expenses; beneficiaries are responsible for a percentage of their medical costs.
Benefits:
- Broad Provider Access: Flexibility to choose any healthcare provider who accepts Medicare.
- Simplicity: Standardized benefits across the country make it straightforward to understand.
- No Prior Authorization: Generally, there’s less bureaucracy involved in accessing care compared to some Advantage plans.
Comparison Summary
| Feature/Aspect | Medicare Advantage | Original Medicare |
|---|
| Coverage | Includes Parts A, B, and often D, plus additional benefits | Includes Parts A and B; separate Part D for prescriptions |
| Provider Network | Usually requires using network providers | No network restrictions |
| Out-of-Pocket Maximum | Yes, capped limit on expenses | No cap on expenses |
| Flexibility | Less flexible; may need referrals | More flexible; direct access to any provider |
| Cost Structure | Monthly premiums + copayments, often includes additional benefits | Deductibles and coinsurance for services; separate drug plan costs |
| Additional Benefits | Often includes vision, dental, and wellness services | Typically not covered; must purchase separately |
Conclusion
Choosing between Medicare Advantage and Original Medicare depends on individual healthcare needs, preferences for provider access, and cost considerations. Medicare Advantage may offer additional benefits and cost predictability, while Original Medicare provides greater flexibility and wider provider access. It's important to evaluate your healthcare needs, financial situation, and preferences when deciding which option is best for you. Consulting with a Medicare advisor can also provide personalized insights based on your circumstances.
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Please don't hesitate to call us with your questions no matter whether you are already a valued customer, a potential client or if you simply need expert advice. There will never be a charge for our assistance or for a friendly, no-obligation chat.
