MEDIGAP PLANS
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Supplemental Insurance
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Supplemental Insurance
Also known as Medigap, this coverage pairs with Original Medicare to fill the holes in the federal health program and safeguard your finances. For a monthly premium, you’ll receive coverage of the out-of-pocket costs for which you’d otherwise be responsible. Medigap plans are available through private insurance companies and it is important to explore the options available in your area before choosing your plan and carrier.
Medicare Advantage plans are also known as Part C of Medicare. These plans, offered by private insurance companies, include the benefits of Parts A and B. Additionally, Medicare Advantage plans provide beneficiaries with dental, vision, hearing, and prescription drug coverage. This coverage option is a wise choice for individuals on a strict budget who find a plan with their doctor in-network.
It’s best to enroll in a prescription drug plan as soon as you can after becoming eligible for Medicare. When you keep Original Medicare instead of enrolling in a Medicare Advantage plan, you’ll need to purchase a Part D plan to receive this coverage.
Even if you don’t currently take any medications, the premium you pay each month can result in major savings in the long run.
With Original Medicare, you won’t receive coverage for dental, vision, or hearing care. Paying an affordable premium each month for a DVH plan can help safeguard finance.
Unexpected illnesses can cause financial strain. Coverage for these conditions can give you peace of mind and allow you to focus on treatment while safeguarding your savings.
In the event of a critical illness or injury, a hospital indemnity policy can provide you with a benefit to use as you see fit. This eliminates the concern of staying within a doctor network.
When you are unable to work, it’s essential to have a plan for your income. A short term care policy can help you get through a difficult time and alleviate worries about finances.
Medicare doesn’t cover long-term care, even with an Advantage or Supplement plan. A long-term care insurance policy can pay for the help you may need with everyday tasks.
A life insurance policy can help ensure your family is financially secure, beyond your lifetime. There are several different types of policies, and we can help find the right one for you.