Medicare Solutions
We know the value of having the right coverage at the right cost. We listen to you and understand what is important and help you choose the plans that best fit you and your needs.
Medicare Supplement
Medicare Supplement, or Medigap, plans fill in some of the gaps in coverage of Original Medicare, such as deductibles, coinsurance, copayments, and out-of-country emergency coverage. These are costs you’d normally be responsible for out of pocket.
Medicare Advantage
Medicare Advantage, or Medicare Part C, is a type of health insurance plan that provides Medicare benefits through a private-sector health insurer. In a Medicare Advantage plan, a Medicare beneficiary pays a monthly premium to a private insurance company and receives coverage for inpatient hospital ("Part A") and outpatient ("Part B") services.
Rx Plans
Medicare Part D is a prescription drug benefit program that is offered as part of the broader Medicare federal health insurance program. Part D is an optional benefit that is administered by private insurance companies and available to anyone who has Medicare
Dental / Vision
Medicare does not provide any routine dental or vision coverage. These plans can be added to defray those costs. Many options exist but plans vary by network, cost-shares, and maximum annual allowances.
Long-Term Care
Long-Term Care is generally defined as custodial care such as bathing and helping with dressing. Medicare does not cover these types of expenses. Separate LTC policies can help cover these costs and coordinate with the small Medicare benefit allowed for health care in the first 100 days of a LTC event.
Funeral Trust
A funeral trust, or qualified funeral trust, is a special financial vehicle that allows you to set aside money for anticipated funeral costs. This trust can isolate assets outside of the estate for funeral needs to ensure proper funeral arrangements can be afforded.
