Health Insurance
ACA Health Plans
The Affordable Care Act (ACA) enhances healthcare access with key features:
Essential Health Benefits: Covers emergency care, hospitalization, maternity, mental health, and prescriptions.
Preventive Services: Offers free preventive care for early health issue detection and overall wellness.
No Pre-existing Condition Exclusions: Protects against denials or higher premiums for pre-existing conditions.
Subsidies and Cost Assistance: Provides tax credits and assistance to lower healthcare costs.
Marketplace Enrollment: Allows comparison and selection of plans during open enrollment.
Annual Limit Protections: Removes caps on essential benefits, shielding against high medical expenses.
Medicare Advantage
Medicare Advantage, or Part C, is a type of health insurance plan that combines the benefits of Original Medicare (Parts A and B) with additional coverage options. It provides essential services such as hospital visits, outpatient care, preventive services, and prescription drug coverage, all in one package. Medicare Advantage plans are offered by private insurance companies approved by Medicare, and they often include extra benefits like dental, vision, and wellness programs. These plans may also have lower out-of-pocket costs compared to Original Medicare, making them an attractive option for many beneficiaries. It's important to review various plans to find one that best meets your needs, as coverage and costs can vary significantly.
Medicare Supplement
Medicare Supplement, also known as Medigap, provides additional coverage to help pay for costs that Original Medicare doesn’t cover, such as copayments, coinsurance, and deductibles. With a Medigap plan, you can enhance your healthcare security and reduce unexpected out-of-pocket expenses, ensuring that you have reliable support throughout your healthcare journey. Just like our Medicare Prescription Drug Plans (PDP), which offer low premiums and affordable costs, Medigap plans work hand-in-hand to give you peace of mind as you navigate your healthcare needs.
Medicare PDP
Medicare Part D is a program that provides prescription drug coverage to individuals enrolled in Medicare. It helps beneficiaries pay for their medications, ensuring they have access to the medications they need without breaking the bank. Our Medicare Prescription Drug Plans (PDP) feature low premiums and out-of-pocket costs, giving you reliable support when you need it most. With various plans to choose from, you can select one that fits your specific needs and budget, making your healthcare journey smoother.
Ancillary Insurance
Ancillary insurance refers to additional coverage options that complement primary insurance plans, such as health, dental, or vision insurance. These policies help to cover costs that may not be included in your main plan, providing a safety net for unexpected expenses.
