Services

 

Medicare Plans

Medicare is a federal health insurance program in the United States that primarily provides coverage for people age 65 and older, as well as some younger individuals with certain disabilities or serious medical conditions. It helps pay for a wide range of healthcare services, including hospital care, doctor visits, preventive services, and prescription drugs. Medicare is divided into different parts—Part A for hospital insurance, Part B for medical insurance, Part C (Medicare Advantage) offered through private insurers, and Part D for prescription drug coverage—allowing beneficiaries to choose coverage that best fits their healthcare needs.

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Medicare Advantage Plans​

A Medicare Advantage plan, also known as Part C, is a Medicare-approved plan offered by private companies that provides an alternative to Original Medicare, bundling hospital, medical, and often prescription drug coverage into one plan. 

​Medicare Advantage plans typically include coverage for hospital services (Part A), medical services (Part B), and often prescription drug coverage (Part D) in one plan. Many Medicare Advantage plans offer additional benefits that Original Medicare does not cover.

 

Medicare Supplement Plans

A Medicare Supplement Plan, also known as Medigap, is a private health insurance policy that helps cover out-of-pocket costs not paid by Original Medicare, such as copayments, coinsurance, and deductibles. Medicare Supplement plans are designed to fill the "gaps" in coverage provided by Original Medicare (Part A and Part B). While Medicare covers many health-related costs, it does not cover all costs, leaving beneficiaries responsible for certain out-of-pocket expenses. Medigap plans help cover these costs, making healthcare more affordable for those enrolled in Original Medicare. Medicare Supplement plans are standardized by the government, meaning that each plan type (labeled A through N) offers the same benefits regardless of the insurance company selling it. The labeled plan you choose determines the monthly premium you pay, along with your age. Supplement plans do not have prescription drug coverage, dental, vision, or hearing benefits. 

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Individual Health Plans​

An individual health plan is a type of health insurance coverage that you purchase on your own. To be eligible for an individual plan, your employer cannot offer insurance. These plans are designed for people who are part time employees, self-employed, students, and retirees that are not yet on Medicare. As part of the Affordable Care Act, you may be eligible for tax credits that lower the monthly premium you pay. ​​​Individual ACA plans cover preventative care, emergency services, prescription drugs, maternity and newborn care.

Small Business Plans​

Small business health plans are designed for employers with 2-50 employees. Plans include a wide range of options to meet your needs, such as dental, vision, and life insurance. 

​​Life Insurance 

Life insurance is a financial product that pays a beneficiary a sum of money (a "death benefit") upon the policyholder's death, in exchange for regular premium payments, providing financial security for loved ones to cover living expenses, debts, or final costs like funerals, offering peace of mind and a financial legacy. The two main types are Term Life covering a specific period, and Permanent Life (like Whole or Universal), offering lifelong coverage with potential cash value. ​​

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Hospital Indemnity 

A hospital indemnity plan is a type of supplemental insurance that provides cash benefits directly to you when you are hospitalized.

It pays a fixed amount per day for each day you spend in the hospital, which can help cover out-of-pocket expenses not covered by your primary health insurance.

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Fixed Annuities

A fixed annuity is a type of insurance contract that promises to pay the buyer a guaranteed interest rate on their contributions to the account. A variable annuity pays interest that fluctuates based on the performance of an investment portfolio chosen by the account's owner. Fixed annuities are most often used to create a reliable stream of income after retirement.

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