Our Services

Medicare

Covers inpatient hospital stays, skilled nursing facility care, hospice care, and some home health care, with most people not paying a monthly premium. 

Medicare Advantage

An "all-in-one" alternative to Original Medicare (A & B) from private insurance companies, bundling benefits and often including drug coverage (Part D) and extra benefits like vision or dental. 

Medicare Part D

Helps pay for prescription medications, available as a standalone plan or included in a Medicare Advantage plan. 

Medigap

Love your current doctor? A Medigap plan works alongside Original Medicare to help pay for out-of-pocket costs like copayments, coinsurance, and deductibles. 

Normal
Medicare

Normal Medicare, or Original Medicare, (Part A & B), is a federal fee-for-service program for those 65+ or with disabilities, allowing beneficiaries to use any doctor accepting Medicare nationwide. It covers inpatient hospital stays and medical services, generally paying 80% of approved costs after deductibles

Medicare Advantage

An "all-in-one" alternative to Original Medicare (A & B) from private insurance companies, bundling benefits and often including drug coverage (Part D) and extra benefits like Vision , Dental , Hearing And OTC (OVER THE COUNTER)

Medicare Prescription Drug Plan

Normally called Medicare Part D. A separate, federally approved plan specifically for prescription drug coverage helps pay for prescription medications, available as a standalone plan.

Medigap

Medicare Supplement Insurance, often called Medigap, is private insurance designed to fill "gaps" in Original Medicare (Part A and Part B), such as deductibles, coinsurance, and copayments. It works exclusively with Original Medicare to reduce out-of-pocket expenses and is standardized ino plans labeled by letters (e.g., Plan G, Plan N).

Hospital Indemnity

Hospital indemnity insurance is a type of supplemental policy that pays you a fixed, direct cash benefit if you are hospitalized due to a covered illness or injury. Unlike traditional health insurance, these funds are not paid to doctors and can be used for any purpose, such as deductibles, copays, or daily expenses.