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.

 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

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

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 HMA brochure

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. This is because the HMA^® awards its owners up to $2 in medical benefits or more for every $1 contributed into their HMA^® account balance as the program progresses, which will allow our customers to raise their health insurance deductibles and lower their monthly premiums over time because their HMA^® Medical Benefits Account is designed to cover their out-of-pocket, medical cost obligations up to the higher deductibles.

Learn more about HMA Prepaid Medical Claims Visa Card

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-n

Medicare – education worksheet Medicare Education

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