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High Maintenance Medicare Plans

People needing more health care maintenance or have an increased risk of hospitalization may prefer an insurance plan that covers what Medicare does not.  And if you take medicines regularly you will want to choose a formulary or Part D plan as well.  The following are insurance Medigap Plans – Supplemental.

 

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 Insurance Medicare Supplement (Medigap)

 

Selecting a Medicare plan can be complicated, but I am here to help. As your local Licensed Broker Representative, I can walk you through your options.

Most Supplemental plans do not cover medicines. So you will want to consider a stand alone Part D plan to avoid the penalty later.  If you do not take any medicines now but want to avoid the penalty we can help you find a low cost plan like Wellcare

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There is Help to Pay Medical and Dental Expenses.

Not qualified for a Health Savings Account? Here is another way to pay for out-of-pocket medical expenses including dental, vision, RX, deductibles, IUAs, co-pays and much much more.

HMA – Health Matching Account Services

The HMA® (Health Matching Account) is the ultimate medical benefit savings account available and will help our customers be able to both save money on their out-of-pocket, medical expenses and also increase their primary health insurance plan deductibles to save up to 40% or more on their monthly premiums over time. 

Learn more about HMA Prepaid Medical Claims Visa Card

 

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You are also responsible for paying:

  • Your monthly Part B premium.
  • 100% of any non-Medicare covered Qualified Medical Expenses (QMEs), via either your MSA bank account funds or out-of-pocket, before and after you reach the plan deductible.

* Deposit and deductible amounts shown above are full calendar-year amounts, based on a January 1 effective date. If you enroll for a partial calendar year, the deposit and deductible amounts will be prorated based on the month your coverage becomes effective with Lasso Healthcare MSA.

 

Check your Zip Code

QUOTE / Enroll NOW

Evidence of Coverage

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Aetna Supplements

 

 

Aetna Allina Medicare Advantage Plan with Part D

Aetna Allina Medicare Advantage Plan only

Over-the-Counter

Reimbursement forms

 

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United Healthcare Supplements – ‘Medigap’

United Healthcare Medicare Advantage Plan with Part D

United Healthcare Medicare Advantage Plan only

Over-the-Counter – $50 credit per quarter to use on approved OTC products. Order online, over the phone, or by mail through your Health & Wellness Products Catalog.

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Supplements ‘Medigap’ Documents 

MAPD – Medicare Advantage Plan with Part D

MA – Medicare Advantage only

OTC – Over-the- Counter

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Supplements – ‘Medigap’

Medicare Advantage Plan with Part D

Medicare Advantage Plan only

OTC – Over-the-Counter

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Supplements – ‘Medigap’

Medicare Advantage Plan with Part D

 

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Supplements – ‘Medigap’

Medicare Advantage Plan with Part D

OTC – Over-the-Counter

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Supplements – ‘Medigap’

Medicare Advantage Plan with Part D

Medicare Advantage Plan only

OTC – Over-the-Counter

Quotes/Enrollment: Click here

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Medi-Share Carrier at Lifestyle Advisors  Brochure

Learn more Medi-Share is an innovative health care solution for Christians looking to save money without sacrificing on quality. As the nation’s largest health care sharing community, Medi-Share members take comfort in knowing their eligible medical expenses will be shared by their community.  Statement-of-faith     Enrollment

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Wellcare offers affordable Formulary coverage to go with Medicare Original and a Medicare Supplement.

Learn More Wellcare

 

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Member Services and Support | Aetna Medicare (silverscript.com)

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Cigna Carrier at Lifestyle Advisors

Supplemental Quote

Supplemental Plans

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LEARN TO SHOP Medicare Plans.

Health care has two basic components: day-to-day care (Part B) and Part A (hospitalization).

We help you understand the benefits of your current plan and compare that to what is available for a cost savings.

Schedule a meeting: calendly.com/amy-nielsen

Scope of Appointment* PDF

*Scope of Appointment documents the plan discussed before you enroll.  Please print and sign and return to us or request an electronic version. Thanks!

Medicare – education worksheet Medicare Education

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Shop Health Services.

Procedure Price lookup.  This is the allowable amount Medicare insurance will pay for a procedure.

Hospital Cost Look Up

Questions about your situation?  Schedule time

Medical Cost Sharing Worksheet. MCS Education 2023

Health Needs Assessment  PDF

No Insurance, No Problem, Pay as you-Go  or Shop your insurance benefits here!

Need a Lab?  Try fairpricelabs.com for most or all your blood/urine testing.  Results can be sent you and the physician.  Shop Labs at your doctor’s office!

 

Shop Medicine prices.

GoodRx logo WEBSITE

Blink Health RX look up for the best price.

  Brochure

Mark Cuban Pharmacy

Patient Assistance HERE 

Shop Doctors.

TheWedge  Find local Independent Doctors

PHCS non-insurance Network

SEDERA Referral Map   –  Find independent providers nationwide.

WOW Health Solutions  –  Provider Exchange

 

Shop Health Insurance.

MNSure  Assister ID  5503492

Federal Marketplace HealthSherpa

 

Shop Dental Insurance.

Delta Dental (deltadentalmn.org)
1Dental.com
Careington Dental Savings

HealthPartners Dental

Ameritas Dental/Vision

 

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Medi-Share Carrier at Lifestyle Advisors

Learn more Medi-Share is an innovative health care solution for Christians looking to save money without sacrificing on quality. As the nation’s largest health care sharing community, Medi-Share members take comfort in knowing their eligible medical expenses will be shared by their community.  Statement-of-faith     Enrollment    Guidelines     PHCS Network   Exemption    Senior Assist

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Life Insurance

Have insurance needs? We broker most Insurance carriers for:

  • Annuities
  • Life Insurance
  • FINAL EXPENSE Insurance
  • Disability Income – Short and Long Term
  • Supplemental and Ancillary
  • Long Term Care

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“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.” 

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