What Can I do for You?

A Medicare Supplement policy, also known as Medigap, is private insurance that helps cover out-of-pocket costs for Original Medicare (Parts A and B). It fills in gaps in coverage that Original Medicare doesn't fully cover, such as coinsurance, copayments, and deductibles. These plans are standardized and sold by private insurance companies. 

A Medicare Advantage plan, also known as Part C, is a Medicare-approved plan offered by private insurance companies that provides Medicare-covered benefits. These plans offer all the benefits of Original Medicare (Part A and Part B) and often include prescription drug coverage (Part D) as well. Medicare Advantage plans may also offer extra benefits not covered by Original Medicare, such as vision, dental, or gym memberships. 

Individual health insurance is coverage purchased directly by an individual or family, rather than through an employer or government program like Medicare or Medicaid. It's a way to obtain health insurance when you don't have access to coverage through your job or public programs. These plans are designed to be personalized and align with the specific healthcare needs of an individual or family. 

Drug plans, often referring to Medicare Part D, help cover the cost of prescription drugs. They are optional, private insurance plans approved by the federal government that offer coverage to individuals eligible for Medicare. These plans vary in costs and coverage, and you can choose the one that best suits your needs. 

Travel health insurance provides financial protection against the unexpected costs of medical care and evacuations while traveling abroad or domestically, offering peace of mind for travelers who may need medical attention during their trip. 

Sometimes, there is no better plan I can help you find than what you already have. Reviewing that with an expert provides confidence and peace of mind.