Medicare Supplement – Medigap
With continually rising health care costs, purchasing a Medigap insurance policy is an important personal decision that requires careful consideration. Every policy of the same type offers the same coverage, regardless of which insurance company you choose. Therefore, it's worth shopping around to ensure that you don't end up paying too much.
The monthly premium is not the only factor to keep in mind, as some companies are notorious for rate hikes, and you may find yourself in an uncomfortable position later on down the road. By enlisting the help of a knowledgeable Medicare supplement insurance broker, you'll get the peace of mind that comes from knowing that you're making an informed decision.Read More
Individual Health Insurance
Health insurance is a means of paying for unexpected or preventative medical care costs. Like car or home insurance, health insurance allows you to choose from a variety of plans that meet your healthcare and budgetary requirements.Read More
Individual Vision Insurance
Vision insurance is designed to offer you coverage and budgeting assistance for continuing expenses relating to your visual health that include routine eye exams, prescription glasses and contact lenses.Read More
Individual Dental Insurance
Dental insurance is designed to offer you coverage and budgeting assistance for preventative, basic, extensive and emergent dental procedures.Read More
RX Coverage Medicare Prescription Drug (Part D)
Medicare offers prescription drug coverage to everyone with Medicare. Even if you don’t take a lot of prescriptions now, it’s very important for you to consider joining a Medicare drug plan. If you decide not to join a Medicare drug plan when you’re first eligible, and you don’t have other creditable prescription drug coverage, or you don’t get Extra Help, you will likely pay a late enrollment penalty. See pages 90–91. To get Medicare prescription drug coverage, you must join a plan run by an insurance company or other private company approved by Medicare. Each plan can vary in cost and specific drugs covered. (source Medicare and you handbook)Read More
Senior Life Insurance
Final expense insurance gives your loved ones the resources to pay for your funeral and burial services it is an affordable way to provide for these costs, so that family and friends can celebrate your life without financial obligations.Read More
Medicare Supplemental Ins.
Things you should know about Medicare Supplemental or Medigap health plans in New York
Medicare Advantage (Part C)
A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. You will get your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from the Medicare Advantage Plan and not Original Medicare. In all types of Medicare Advantage Plans, you’re always covered for emergency and urgent care. Medicare Advantage Plans must cover all of the services that Original Medicare covers except hospice care. Original Medicare covers hospice care even if you’re in a Medicare Advantage Plan. Medicare Advantage Plans aren’t supplemental coverage.Read More
Medicare – Senior Benefits
What is Medicare?
Medicare is a federal health-insurance program for people age 65 or older, under 65 with certain disabilities, and any age with End-Stage Renal Disease (ESRD). ESRD is permanent kidney failure requiring dialysis or a kidney transplant.Read More