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Advantage Plans (MAPD)
Medicare Advantage plans (Part C) are administered by independent insurance companies. Plans are either Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs) or Private Fee for Service (PFFS). Advantage plans cover Part A and B services and typically include Part D benefits. Cost-sharing, Rx formularies, annual limits on out-of-pocket costs, and participating providers vary plan-to-plan. Additionally, Medicare Advantage Plans may offer extra coverage for vision, hearing, dental and wellness programs.
Supplement Plans (Medigap)
Medicare Supplement plans pay after Medicare A and B. There are a variety of Supplement plans to choose from with choices on deductibles, premium amounts, co-pays and formulary lists. Look at the pricing and customer service offered when selecting a Supplement plan. We recommend you also elect a stand-alone Medicare Part D (Prescription Drug) plan.
Prescription Drug Plans (PDP)
Stand-alone Prescription Drug plans (Part D) can be added to either Original Medicare or Medicare Supplement plans to help cover the costs of your prescription drugs.
NOTE: If you choose not to enroll in a Medicare Part D plan when first eligible, and are not covered under a group employer plan with creditable prescription drug coverage (e.g., group employer plan, VA coverage), you may pay a penalty. The penalty is 1% of the national average premium cost for a Part D drug plan times the number of months of deferred enrollment. This amount may be applied to your monthly premium and follow you throughout your life.
Being affiliated with industry leaders gives us the ability to offer you competitive, leading-edge, health insurance plans. This flexibility gives us options for deductibles, prescription drug benefits, HSA (Health Savings Accounts), dental and vision benefits.
For groups, we offer custom-designed and association plans.
Short-Term insurance is available for as little as 30-days and is a convenient way to maintain major medical coverage while you are in a transition phase of your life.
NOTE: Short-term medical does not satisfy the Affordable Care Act's minimum essential benefits requirement, and you may still be responsible for the penalty if you do not have minimum essential coverage for more than 2 months.
Disability insurance gives you the opportunity to protect yourself, your family, and your business in the event you are disabled and experience a loss of income. It is sometimes referred to as "Paycheck Protection." We offer Individual and Group, Long-Term and Short-Term plans.
Aflac® offers Hospital, Intensive Care, Cancer, Lump Sum Critical Illness, Accident, Short-Term Disability, Dental insurance plans. We'll help you "mix and match" plans that are most suitable to you. We are able to automate the enrollment process to include all the carrier's products, eliminating the need for paper applications and data input.
Let us help!
Do you need help setting up a new plan, have questions about your current plan, or anything in-between? We can help.
Feel free to call, make an appointment, or drop by for a chat.