Medicare

Once you get your Medicare plan, you can rest easy knowing your medical expenses are being taken care of.  We carry Medicare Plans from more than 10 insurance companies and can take the hassle out of shopping for competitive rates

      • PPO – Preferred Provider Organization – With a PPO plan, you can generally go to any doctor or hospital, but will pay less if you use doctors and hospitals that belong to the plan’s network.  PPO health plans typically don’t require a referral for care by a specialist. However, if you use out-of-network health care providers or specialists, you may be required to pay a higher portion of the cost for covered services.  Compared to an HMO plan, a PPO plan may be less restrictive. However, the monthly premium for a PPO plan may be higher.
      • HMO – Health Maintenance Organization –An HMO is a type of health-care plan that generally requires you to select a primary care doctor. In most cases, you need to get a referral to see a specialist. If you don’t follow the plan’s rules for services, you may have to pay the full costs of care. Except under certain circumstances, you’re typically not covered for services obtained outside of the plan’s network of Medicare providers. While the rules of an HMO health policy may be relatively restrictive compared to other plans, the restrictions may be offset by lower plan costs.
      • PFFS – Private Fee-For-Service  With a PFFS plan, you will not need to choose a primary care doctor, and referrals are generally not required for treatment by specialists. However, not all Medicare providers accept the plan.  At one time, PFFS plans were the fastest growing segment of the Medicare Advantage market. These plans were very popular because they were not tied to a specific doctor or hospital network. In 2011, changes in Medicare law required certain PFFS plans to have networks of providers. So, if you are considering a PFFS plan, make sure you’re clear with that particular plan about which providers you can go to and what the requirements are.
      • HMO-POS – HMO Point-Of-Service – An HMO Point-of-Service plan is a slightly different and less common version of the HMO plan. Unlike a traditional HMO, an HMO Point-Of-Service plan usually lets you go to an out-of-network provider, but at a higher out-of-pocket cost. This benefit can make the plan function more like a Preferred Provider Organization plan.
      • Medical Savings Account (MSA) – An MSA is less common than the other types of Medicare plans. In an MSA, a high-deductible health plan is combined with a bank account for you. Medicare deposits a particular amount of money each year into the bank account, and you can use the money to pay for any expenses related to your health care throughout the year. Be aware that Medicare deposits are often less than the annual deductible. This means that if you need a lot of care, you might have to spend more than the amount originally deposited into the account.
      • Medigap/Supplement Plans A,B,C,D,F,G,K,L,M and N. – A Medicare Supplement Insurance (Medigap) policy helps pay some of the health care costs that Original Medicare doesn’t cover. A Medigap policy is different from a Medicare Advantage Plan. Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits. Some Medigap policies also cover services that Original Medicare doesn’t cover, like medical care when you travel outside the US. If you have Original Medicare and you buy a Medigap policy.