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Medicare Advantage Plans
These plans set a limit on what you’ll have to pay out-of-pocket each year for covered services. Some plans offer non-emergency coverage out of network, but typically at a higher cost. Remember, you must use the card from your Medicare Advantage Plan to get your Medicare-covered services. Keep your red, white, and blue Medicare card in a safe place because you’ll need it if you ever switch back to Original Medicare.
Medicare Special Needs Plans
Medicare SNPs are a type of Medicare Advantage Plan (like an HMO or PPO). Medicare SNPs limit membership to people with specific diseases or characteristics. Medicare SNPs tailor their benefits, provider choices, and drug formularies to best meet the specific needs of the groups they serve. Some SNPs cover services out of network and some don’t. Check with the plan to see if they cover services out of network, and if so, how it affects your costs.
Medicare Supplement Plans
Medigap is Medicare Supplement Insurance that helps fill “gaps” in Original Medicare and is sold by private companies. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. A Medicare Supplement Insurance (Medigap) policy can help pay some of the remaining health care costs, like: Copayments, Coinsurance, and Deductibles.
Medicare Prescription Drug Plans
Medicare offers prescription drug coverage, known as Part D. These plans help cover the cost of prescription medications, but costs, benefits, and covered drugs can vary from plan to plan. When you’re first eligible for Medicare, you have the option to enroll in a Part D plan, and waiting to enroll without other qualifying drug coverage may result in a late enrollment penalty later.
More Insurance Options
Coverage for Every Stage
Life Insurance
Coverage designed to help protect your loved ones financially and provide peace of mind for the future.
Hospital Indemnity
Supplemental coverage that can provide benefits to help with eligible expenses associated with a hospital stay.
Vision Plans
Coverage to help with routine eye care, exams, glasses, and contact lenses.
Fixed Annuities
Financial products designed to provide predictable growth and can offer a reliable source of income for retirement.
Dental Plans
Coverage options to help make routine and major dental care more affordable.
ACA Insurance
Health insurance options available through the Affordable Care Act for individuals and families who need comprehensive health coverage.
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