Medicare contracts with insurers in order to offer different types of health insurance plans such as: (HMO’s) Health Maintenance Organizations, (PPO’s) Preferred Provider Organizations, (PFFS) Private Fee For Service and (SNP) Special Needs Plans.
Medicare Supplement Plans
Medicare Supplement Insurance pays in addition to Original Medicare. These plans are also known as Medigap. They are designed to fill the gaps in Original Medicare and can help with copayments, coinsurance, and deductibles.
Life Insurance policies can be purchased to cover final expenses, burial cost, debt, loss of income, pay estate taxes, create a gift of inheritance and to generate more of a gift than a CD would at a bank. Help give yourself the peace of mind you deserve.
Long Term Care
Original Medicare pays up to 100 days of skilled nursing care per benefit after a three day inpatient hospital stay. Over 70% of individuals over age 65 need some type of long-term care before they pass away. Protect your life’s savings and investments.
Hospital Indemnity & Cancer Insurance
Hospital Indemnity Insurance policies pay cash directly to you that you can use to pay your hospital expenses and other co-pays. These plans are not health insurance but give you exceptional protection beyond your current health plan.
Individual Health Insurance
Health Insurance can be offered on and off the Federally Funded Marketplace. These plans are designed for individuals and families that are not on Medicare or Medicaid and can help ensure against ever increasing health costs.