Which kind of health insurance should I have?
That's the big question everyone is asking and we are here to make the answers simple for you!
When it comes to health insurance, we want to make sure that you have the best options available to you. We offer Medicare, major medical, supplemental and group health insurance.
Medicare
Medicare is a health insurance for people 65 or older. You’re first eligible to sign up for Medicare 3 months before you turn 65. You may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease).
Medicare Options:
Option one is Original Medicare.
Original Medicare consist of Part A and Part B. Part A covers Hospitals & Hospital services such as Home Health and Hospice. Part B is Medical Insurance. This covers the doctors in the hospital, testing, supplies, and other services offered by providers.
Option two is Medicare Advantage (Part-C).
It consists of both Part A & Part B and in most cases Part D. Many plans offer additional benefits such as dental, vision, hearing, over the counter, and transportation.
If you choose Original Medicare, you have the option to add a Medicare Prescription Drug Coverage (Part-D).
If you choose Original Medicare in most cases you could also purchase a Medicare Supplemental, sometimes called Medi-Gap. This is optional, but highly recommended. To be eligible to purchase one of the supplemental plans, you must have both Part A & Part B of Medicare.
Group Insurance
We offer plans to employers for their employees and their families. We can offer benefits such as major medical, dental, vision, hearing, short & long term disability, cancer, critical illness, hospital indemnity, and all other supplemental coverages. In group insurance employers and employees share the cost with an option to add family members. The employer must pay at least 50% of the employees cost of insurance. Employers are not required to pay the cost of dependents, but some employers do pay a portion.
Individual Medical
We offer individual medical sometimes referred to as Major Medical. We offer off-exchange medical plans. And we offer on-exchange plans through the Health Insurance Marketplace. You may be eligible to receive tax credits based on household income and size. We are fully trained and licensed to assist you with applying for individual medical plans. We can assist you with applying for funding from the Federal Government to help lower the cost of your premium.