We're committed to providing our customers with quality Medicare Advantage, Prescription Drug, Medicare Supplement plans, and ACA. Sharing the basics of Healthcare to help you make the right choice for your needs.
If you're looking to know more about Medicare or ACA and its many options, we can help.
We answer questions such as "What's Medicare?", "Who's eligible for Medicare?" and "How does Medicare work?"
Call us to set up a complimentary Healthcare review.
A Medicare supplemental insurance plan (also called “Medigap”) is private health insurance designed to supplement original Medicare. This means it helps pay some of the health care costs (“gaps”) that original Medicare doesn’t cover (such as co-payments, co-insurance, and deductibles).
Medicare supplemental insurance plans may also cover certain things that Medicare doesn’t. If you are in original Medicare and you have a Medicare supplemental insurance plan, Medicare will pay its share of the Medicare-approved amounts for covered health care costs. Then your Medicare supplemental insurance plan pays its share.
Medicare Advantage plans were first known as "Medicare+Choice" plans but later took on the name "Medicare Advantage". These plans offer both health insurance coverage and optional drug coverage benefits (sometimes called MA-PD plans). Coverage is typically offered through a network of doctors and health care providers. Medicare Advantage plans often have higher co-pay amounts than a Medigap plan and may also require your primary care physician be in their network. However, Medicare Advantage monthly premiums are low. Some companies actually offer $0 premium plans and in some areas, some plans will pay a portion of your part B premium.
The Affordable Care Act puts consumers back in charge of their health care. Under the law, a new “Patient’s Bill of Rights” gives the American people the stability and flexibility they need to make informed choices about their health.
View Key Features of the Affordable Care Act or read a year-by-year overview of features.
Ends Pre-Existing Condition Exclusions for Children: Health plans can no longer limit or deny benefits to children under 19 due to a pre-existing condition.
Keeps Young Adults Covered: If you are under 26, you may be eligible to be covered under your parent’s health plan.
Ends Arbitrary Withdrawals of Insurance Coverage: Insurers can no longer cancel your coverage just because you made an honest mistake.
Guarantees Your Right to Appeal: You now have the right to ask that your plan reconsider its denial of payment.
Ends Lifetime Limits on Coverage: Lifetime limits on most benefits are banned for all new health insurance plans.
Reviews Premium Increases: Insurance companies must now publicly justify any unreasonable rate hikes.
Helps You Get the Most from Your Premium Dollars: Your premium dollars must be spent primarily on health care – not administrative costs.
Covers Preventive Care at No Cost to You: You may be eligible for recommended preventive health services. No copayment.
Protects Your Choice of Doctors: Choose the primary care doctor you want from your plan’s network.
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