Simplify Your
Coverage
Medicare insurance plans that fill the gaps
in your Medicare coverage — like
copayments, coinsurance, and
deductibles.
How It Works?
Medicare Insurance provides a comprehensive array of benefits tailored to your needs.
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Get to know our licensed insurance agents.
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Get to know our licensed insurance agents.
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Get to know our licensed insurance agents.
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Get to know our licensed insurance agents.
What exactly is Medicare Supplement
Insurance?
Medicare Supplement insurance plans serve to supplement
Medicare Part A (hospital) and Part B (medical) coverage by
providing additional benefits. With these plans, you have the
flexibility to choose any doctor or hospital that accepts
Medicare patients. Moreover, they help cover costs that
Original Medicare doesn't, including copayments,
coinsurance, and deductibles. This extra financial support ensures you can access the healthcare you need without
worrying about significant out-of-pocket expenses.
Medicare Advantage Plan
What’s A Medicare Advantage Plan?
Medicare Supplement insurance plans serve as invaluable complements to Original Medicare coverage, ensuring individuals have comprehensive protection for their healthcare needs. By addressing the gaps in Medicare Part A and Part B, these plans offer an added layer of security and peace of mind. With the flexibility to choose from a broad network of healthcare providers, beneficiaries can access the services they need with ease. Moreover, by covering expenses such as copayments, coinsurance, and deductibles, Medicare Supplement plans help alleviate the financial burden associated with medical care. This comprehensive coverage not only enhances access to healthcare but also provides individuals with greater financial stability, allowing them to focus on their well-being without worrying about unexpected costs.
There Are The Different Types Of Medicare Advantage Plans:
Health Maintenance Organization (HMO) plans: HMOs function on a network-based model, meaning you typically receive healthcare services from providers within the plan’s network. Exceptions are usually made for emergency situations. Additionally, you may need a referral from your primary care physician to see specialists or undergo certain medical tests. This setup emphasizes coordinated care within a defined network, promoting comprehensive and preventive healthcare management.
Preferred Provider Organization (PPO) plans: PPOs offer a balance between flexibility and cost-effectiveness. You have the freedom to choose healthcare providers both within and outside the plan’s network. However, utilizing in-network providers usually results in lower out-of-pocket expenses due to negotiated rates. Out-of-network services are still covered but may come with higher copayments or coinsurance. PPOs provide greater autonomy in selecting healthcare providers while still offering some cost-saving benefits.
Private Fee-for-Service (PFFS) plans: PFFS plans provide beneficiaries with the freedom to visit any doctor, hospital, or healthcare provider that accepts the plan’s payment terms. Unlike traditional Medicare, where reimbursement rates are standardized, PFFS plans determine their payment rates, influencing your share of the costs for covered services. This model offers flexibility akin to Original Medicare but with the added benefit of potentially lower out-of-pocket expenses.
Special Needs Plans (SNPs): SNPs cater to individuals with specific healthcare needs, such as those living with chronic illnesses, dual-eligible for Medicare and Medicaid, or residing in nursing homes. These plans offer specialized care management tailored to the unique requirements of the enrolled population. By focusing on targeted groups, SNPs can provide more comprehensive coverage and support services, ensuring better health outcomes for their members.
HMO Point-of-Service (HMOPOS) plans: HMOPOS plans combine elements of both HMOs and PPOs, allowing members to access out-of-network services under certain conditions. While the primary emphasis remains on in-network care, HMOPOS plans provide the option to seek services outside the network, albeit at higher cost-sharing levels. This hybrid model offers increased flexibility while still maintaining some of the cost-saving benefits associated with traditional HMOs.
Here are the reasons why people choose us:
Maintain your relationship with your preferred Medicare doctor.
Assist you in reducing your Medicare out-of-pocket expenses.
Assist in covering specific Medicare deductibles, copayments, and coinsurance.
MAKE THE RIGHT DECISION
We've Got Solutions for
Your Concerns!
Our licensed insurance agents are here to assist
you in finding the plan that suits both your needs
and budget.
Sign Up for Medicare
Have questions or need assistance? Feel free to use the form to reach out, and we’ll get back to you as quickly
as possible.
FAQ’s
For a deeper understanding, here are
some of the most frequently asked
questions about our services.
You must have Medicare Parts A and B and live in the plan’s service area to be eligible to join. People with End-Stage Renal Disease (permanent kidney failure) generally can’t join a Medicare Advantage Plan.
In addition to your Part B premium, you usually pay one monthly premium for the services included in a Medicare Advantage Plan. Each Medicare Advantage Plan has different premiums and costs for services, so it’s important to compare plans in your area and understand plan costs and benefits before you join.
Medigap policies generally don’t cover long-term care, vision or dental care, hearing, or private-duty nursing.
Choosing the right Medicare Part D plan can help you effectively maintain your costs and health. Be sure to consider the following factors before enrolling in Part D coverage: Do you take or require specific medications? Do you want extra protection from high prescription drug costs? Do your expenses need to be balanced throughout the year? Do you need coverage for medications you currently take, or do you want coverage as a safety measure?
TPMO Disclaimer: Please note that we may not offer every plan available in your area. Our information is limited to the plans we offer locally. For a comprehensive overview of all available options, please contact Medicare.gov or call 1-800-MEDICARE (TTY users should call 1-877-486-2048), available 24/7. The companies you may be referred to represent Medicare Advantage HMO, PPO, and PFFS organizations with Medicare contracts. Enrollment is subject to plan contract renewal. Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment eligibility is contingent upon the plan’s contract renewal with Medicare.