Get Quote Online or Speak to Licensed Agent: 866-936-3831
Your loved ones are most important to you and will always come first in your life because you love them so much. You surely do not want them to leave a huge financial burdens on them at the time of your passing. Therefore, regardless of your age, life insurance it`s absolutely essential to have a plan in place to protect your loved ones when you are no longer able. Life Insurance will pay for your funeral service, bills and other associated costs and help your family to go forward and accomplish the financial goals you had in mind for them. Achieving these financial goals without life insurance would otherwise be very difficult. Insure the one you love today.Life Insurance Quote
- Age 65 or older
- Under the of 65 with certain medical disabilities
- Of any age with ERSD – End Stage Renal Disease ( permanent kidney failure requiring dialysis or a kidney transplant)
- Medicare pays for many health care services and supplies, but doesn’t pay for all your health care costs that occur. As a medicare beneficiary, you still must pay for costs like coinsurance, copayment and deductibles, which are called “out-of-pocket” costs, or “cost sharing” if you have original medicare.
- Original medicare, is the governments owned federally managed program that provides Medicare Part A and Medicare Part B coverage.
- Medicare Part A (Hospital Coverage) – This helps pay for hospital charges, inpatient care, skilled nursing facilities, hospice care and home health care under certain conditions.
- Medicare Part B ( Medical Coverage) -Part B helps with medical charges like the cost for doctor services, lab tests and services received on an outpatient basis as well as other services that Part A doesn’t cover ( like physical and occupational therapy) including some home health and preventive services.
- Original Medicare Key Facts:
- Medicare Advantage Plans ( Part C) – Medicare Advantage plans are private insurers approved by Medicare and have a contract with the federal government to provide all the Medicare Part A and Part B benefits to those enrolled in their health plans.
- Health Maintenance Organization (HMO)
- Point of Service (POS)
- Preferred Provider Organization / Regional Preferred Provider Organization (PPO/RPPO)
- Private Fee-for Service (PFFS)
- Must abide by the MA Plans’s coverage rules, which includes:
- Using contracted network providers if enrolled in a networked based plan. In some network-based plans like PPO/RPPO’s or some HMO-POS plans, the member can seek care from non-network providers, generally with high cost sharing
- Paying applicable plan premiums, deductibles, coinsurance, and/or copayments as their share of cost. MA Plans have an annual limit on what the member has to pay out-of pocket for Medicare-covered for Medicare-covered benefits called a Maximum Out-of Pocket (MOOP) amount.
- Are automatically disenrolled from any other MA plan or prescription drug plan PDP in which they are enrolled as of the new plans effective date. An exception exists for MA – only Private-Fee- for-Service PFFS plans as a member can also be enrolled in a standalone PDP.
- A Medicare Supplement insurance plan will not automatically terminate when enrolling in a medicare advantage plan. A Medicare beneficiary must cancel their supplement insurance policy in writing with the carrier after their request to enroll in the MA plan has been approved. This requirement applies even if MA plan and the supplemental plan are provided by the same insurance company.
- Medicare supplement policies do not work with any MA plan cannot be used in conjunction with a medicare advantage plan.
- Before enrolling in a MA plan, make sure you understand the benefits provided by the plan. You should carefully review the Benefits Coverage Information or Summary of Benefits to ensure you understand what medical coverage is provided by the plan before you enroll. For plans with drug coverage, make sure you know if your medications are covered by the new plan or if there are any utilization management restrictions that you would have to achieve prior to getting coverage for certain drugs.
- health plan options most notably (e.g., HMO – health maintenance organizations; PPO’s preferred provider organization and PFFS- private fee for service plans). If you enroll in a Medicare Advantage plan you are still part of the federal Medicare program and you must maintain your Part A & Part B eligibility.
- Private insurance companies approved by Medicare and have a contract with the Federal government to provide this coverage.
- Part C plans that provide Medicare beneficiaries a choice in how they receive their Medicare.
- Medicare Advantage plans are not Medicare Supplemental insurance plans.
- These are required to provide all the benefits of Original Medicare Part A & Part B and may include Part D prescription drug coverage.
- Medicare Advantage plans are designed to lower your costs and usually offer a maximum out-of-pocket limit. The maximum out- of pocket protects you and limits the amount you will be required to pay in copays, coinsurance and deductibles and other costs for medical services for the year.
- Medicare Prescription Drug Coverage (Part D)
- Help with managing costs Original Medicare doesn’t pay, like coinsurance and deductibles.
- Freedom to choose and visit any doctor who accepts Medicare patients.
- No claim forms to file, the medicare supplement simply pays its share of the medical cost after Original Medicare pays first.
- Nationwide coverage so medicare beneficiaries can use their supplement anywhere in the United States. Keep in mind that when a medicare beneficiary moves, you may or may not have to change insurance carriers or plans, depending on whether you select a national Carrier and/or if your plan is available in your new area.
- Foreign travel coverage for emergencies is generally available for most plans allowing you to have peace of mind when traveling outside of the United States.
- Guaranteed renewability, which means your plan automatically renews from year to year as long you continue to pay the insurance premiums when due. This means
- A 30 day “free look” period to evaluate your plan selection. If for any reason you choose not to accept the coverage, you may receive a full refund of the premiums ( minus claims paid during the free look period, if any) if policies are returned within 30 days of issuance.
- To get more information on selecting a Medicare supplement plan please see “Choosing a Medigap Policy: A Guide to Health insurance for People with Medicare. A copy can be found on the Medicare.gov www medicare gov or at https//medicare.gov/pubs/PDF/02110-medicare-medigap.guide.pdf
What can we do for you
We're here to help you find the health or life insurance you need, no mater where you live or what time of day. And our services are always free.
Enroll in a plan from start to finish online with us.
Talk to an expert for plan recommendations based on your needs.
Compare these plans to your current coverage and take advantage of greater savings
You are able to search over 80+ insurance carriers.