MEDICARE

We provide all the information you need on Original Medicare and Medicare Advantage Plans so you can make an informed decision. Please take a moment to connect directly with one of our agents or use our contact us page for contact options... We look forward to serving you!

 

Medicare covers many of your health care needs. Today's Medicare is working with private companies approved by Medicare that provide different ways to get your health care and prescription drug coverage in the Medicare Program. The Medicare plan that you choose affects many things like cost, benefits, doctor choice, convenience, and quality.

 

Your Medicare plan choices include:

 

The Original Medicare Plan – This is a fee-for-service plan that covers many health care services and certain drugs. You can go to any doctor or hospital that accepts Medicare. When you get your health care, you use your red, white, and blue Medicare card.

 

The Original Medicare Plan pays for many health care services and supplies, but it doesn't pay all of your health care costs. There are costs that you must pay, like coinsurance, copayments, and deductibles. These costs are called "gaps" in Medicare coverage. You might want to consider buying a Medigap policy to cover these gaps in Medicare coverage. You can also add prescription drug coverage by joining a Medicare Prescription Drug Plan..

Available in many areas. If you have one of these plans, you don't need a Medigap policy.

These plans include:

  • Health Maintenance Organizations (HMO)

  • Preferred Provider Organizations (PPO)

  • Private Fee-for-Service Plans

  • Medicare Special Needs Plans

  • Medicare Medical Savings Account Plans (MSA)

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These plans may cover more services and have lower out-of-pocket costs than the Original Medicare Plan. Some plans cover prescription drugs. In some plans, like HMOs, you may only be able to see certain doctors or go to certain hospitals to get covered services.

 

Contact us for more information on Medicare Advantage Plans.

 

Medicare Prescription Drug Plans – These stand-alone plans add prescription drug coverage to the Original Medicare Plan, some Medicare Cost Plans, some Medicare Private Fee-for-Service Plans and Medicare Medical Savings Account Plans. Contact me for more information on Medicare Prescription Drug Plans.
 

Help Paying for Health Care Costs

There are wide ranges of health care coverage choices that may help pay for some of your health care costs. These health care choices work with the benefits you have from Medicare. What you choose will affect how much you pay, what benefits you have, which doctors you can see, and other things that may be important to you. For more information about programs that may help pay for some of your health care costs, please contact me.

How does Medicare supplement insurance work?​

While Medicare Parts A and B (also called “Original Medicare”) cover some health care costs, they don’t pay for everything. Medicare supplement insurance plans from private insurers complement your Medicare coverage. These plans help cover some of your out-of-pocket expenses not paid by Medicare.

Standardized Medicare supplement insurance plan benefits are set by the federal government. That means the basic benefit structure for each plan is the same, no matter which insurance company is selling it to you.

Some plan features are:

  • A choice of plans to meet your needs and budget now and in the future.

  • You're able to keep your own doctor without network restrictions, as long as they accept Medicare patients.

  • Coverage goes with you when you travel in the U.S.

  • You are guaranteed coverage for life. †As long as premiums are paid on time and there has been no material misrepresentation on the application. 
    Rates are subject to change. Any change will apply to all members of the same class insured under your plan who reside in your state.

  • You may visit any specialist who accepts Medicare patients without a referral.

MAJOR MEDICAL

Major medical health insurance is a type of health insurance that covers the expenses associated with serious illness or hospitalization.

MEDICARE

We provide all the information you need on Original Medicare and Medicare Advantage Plans so you can make an informed decision. 

LIFE

The basic building block of financial planning is protection. By getting enough life insurance you are protecting your loved ones so that the money is there to continue their lives without disruption.

ANNUITIES

An annuity is an insurance product that pays out income, and can be used as part of a retirement strategy. Annuities are a popular choice for investors who want to receive a steady income stream in retirement.

FINAL EXPENSE

Final expense insurance is designed to cover the bills that your loved ones will face after your death. These costs will include medical bills and funeral expenses. 

Let one of our agents take care of you.

Hours of Operation:

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Monday - Thursday

10:00am - 5:00pm 

Closed for Lunch

12:00pm - 1:00pm

Friday, Saturday, Sunday

By Appointment Only

221 West Main Street, Elkin, NC 28621  |  336-526-1034

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