Frequent Medicare Health Maintenance

5 or more doctor visits annually

Frequent Medicare Health Maintenance

5 or more doctor visits annually

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

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

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


Lasso Healthcare MSA

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.

Evidence of Coverage

Aetna Allina

Aetna Supplements



Aetna Allina Medicare Advantage Plan with Part D

Aetna Allina Medicare Advantage Plan only


Reimbursement forms


United Healthcare

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.

Blue Cross Blue Shield

Supplements ‘Medigap’

MAPD – Medicare Advantage Plan with Part D

MA – Medicare Advantage only

OTC – Over-the- Counter


Supplements – ‘Medigap’

Medicare Advantage Plan with Part D

Medicare Advantage Plan only

OTC – Over-the-Counter


Supplements – ‘Medigap’

Medicare Advantage Plan with Part D



Supplements – ‘Medigap’

Medicare Advantage Plan with Part D

OTC – Over-the-Counter


Supplements – ‘Medigap’

Medicare Advantage Plan with Part D

Medicare Advantage Plan only

OTC – Over-the-Counter

Wellcare PDP

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:

Medicare – education worksheet Medicare Education

Shop Health Services.

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

Your Medicare Original card entitlements apply as follows; Part A&B deductibles, then 20%. So your portion is 20% of the cost of the procedure.   We use this 'medicare allowed' amount when shopping for the same healthcare procedures, there is no mandate that says you can't pay the same! 😉

Questions about your situation?  Schedule time

MCS Worksheet.   MCS Education           Health Needs Assessment  PDF

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

Need a Lab?  Try 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  

Blink Health RX look up for the best price.



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.


Federal Marketplace HealthSherpa


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Preferred One (Quote/Enroll)

Carrier logo

HealthPartners (Quote/Enroll)

    Humana (Quote/Enroll)


Individual, Family and GROUP Plans





Shop Dental Insurance.

Delta Dental (
Careington Dental Savings

HealthPartners Dental

Ameritas Dental/Vision

Short Term Medical 


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