We offer products for Medicare-eligible individuals in the form of
Medicare Advantage and Medicare Supplement (Medigap) health plans.
We also offer plans designed for individuals eligible for Medicaid and Medicare (called Dual-Eligibles),
as well as plans for those living with long-term chronic illnesses.
Call us for information on local coverage options: Toll-Free: 888-258-1001
| Dual Eligible Special Needs Plans We are authorized to offer plans designed for individuals eligible for Medicaid and Medicare (called Dual-Eligibles). There are special Medicare health plans for individuals both over and under age 65 who have both Medicare and Medicaid. Call for information on plans available to you. Toll-Free: 888-258-1001 | Chronic Illness Special Needs Plans Additionally, we can help you access Medicare health plans specifically designed for people with chronic conditions and long-term illnesses like congestive heart failure, cardiovascular disease, and diabetes. You don't need to be over 65 to qualify, as long as you have Medicare Parts A and B and have medical documentation of your condition. ( Note: If you have received Social Security or Railroad Retirement Board disability benefits for 24 months you can get Medicare Part A, even if you are under age 65.) Call to find out what plans are available to you. Toll-Free: 888-258-1001 |
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Medicare Advantage Plan (MedicarePart C)A Medicare Advantage Plan (like an HMO or PPO) is another Medicare health plan choice you may have as part of Medicare. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, the plan will provide all of your Part A (Hospital Insurance) and Part B (Medical Insurance) coverage. Medicare Advantage Plans may offer extra coverage, such as vision, hearing, dental, and/or health and wellness programs. Most include Medicare prescription drug coverage (Part D). Medicare pays a fixed amount for your care every month to the companies offering Medicare Advantage Plans. These companies must follow rules set by Medicare. However, each Medicare Advantage Plan can charge different out-of-pocket costs and have different rules for how you get services (like whether you need a referral to see a specialist or if you have to go to only doctors, facilities, or suppliers that belong to the plan for non‑emergency or non-urgent care). These rules can change each year.1 We have options available from major insurance carriers contracted by CMS to provide Medicare Part C plans. Call today for information on local plans. Toll-Free: 888-258-1001 1(Excerpt from Medicare.gov; see entire article here: http://www.medicare.gov/navigation/medicare-basics/medicare-benefits/part-c.aspx) | Medigap or Medicare Supplement Plan A Medigap policy is health insurance sold by private insurance companies to fill the “gaps” in Original Medicare Plan coverage. Medigap policies help pay some of the health care costs that the Original Medicare Plan doesn’t cover. If you are in the Original Medicare Plan and have a Medigap policy, then Medicare and your Medigap policy will pay both their shares of covered health care costs. Insurance companies can only sell you a “standardized” Medigap policy. These Medigap policies must all have specific benefits so you can compare them easily. You may be able to choose up to 12 different standardized Medigap policies (Medigap Plans A through L). Medigap policies must follow Federal and State laws. These laws protect you. A Medigap policy must be clearly identified on the cover as “Medicare Supplement Insurance.” Each plan, A through L, has a different set of basic and extra benefits. It’s important to compare Medigap policies because costs can vary. The benefits in any Medigap Plan A through L are the same for any insurance company. Each insurance company decides which Medigap policies it wants to sell. Generally, when you buy a Medigap policy you must have Medicare Part A and Part B. You will have to pay the monthly Medicare Part B premium. In addition, you will have to pay a premium to the Medigap insurance company. You and your spouse must each buy separate Medigap policies. Your Medigap policy won’t cover any health care costs for your spouse. 2 We have options from major insurance carriers for you to choose from. Call us today for information on local plans. Toll-Free: 888-258-1001 2(Excerpt from Medicare.gov; see entire article here: http://www.medicare.gov/medigap/default.asp ) |
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Call to ask about local plans to meet your needs.
We have options available from major insurance carriers contracted by CMS. A licensed local agent will help you choose what's best for you.
WI Phone: 608-318-3195 MI Phone: 906-214-4757
Toll-Free Phone: 888-258-1001
Email: CJSteinhaus@gmail.com