Medicare

Medicare Supplement Plans

Medicare Supplement Plans cover the "gaps" in Medicare that require out-of-pocket expenditure. An example would be that Medicare Part B will pay 80% of your outpatient surgery bill after you meet the deductible. Without a Medicare Supplement Plan, you will be responsible for that deductable and 20% co-insurance.

All Medicare Supplement Plans must offer the same standardized benefits. Although the benefits are the same, by any company, the rates can vary greatly. We offer a variety of companies to choose from and will do the comparisions for you.

Medicare Advantage Plans

Medicare Advantage Plans are a low cost alternative to Medicare Supplements. They are typically co-pay programs and normally feature Annual Stop losses with either an HMO, PPO or PFFs listing of doctors and facilities available. Generally, there is no medical underwritings to qualify for the programs.

Please call if you have questions as to which program would be best for you.