Medicare Supplements

A Medicare Supplement (Medigap) plan is private insurance that provides coverage above what is paid by Medicare A and B. A Supplement covers expenses such as copayments, coinsurance, and deductibles.

Medicare Supplement plans provide an insured with the flexibility of obtaining care from any U.S. provider that accepts Medicare. Some Supplement plans even cover excess charges (amount billed above Medicare assignment). 

A Part D plan must be added to provide prescription coverage.

Medicare Advantage

An Advantage plan (Medicare Part C) is private insurance that replaces original Medicare A and B. It  provides coverage and benefits beyond what is offered by original Medicare, generally with little or no additional cost above Part B premium. Part D prescription drug coverage, as well as dental, vision, and other perks, are generally included.

Medicare Advantage plans utilize networks (list of providers) that must be used to minimize your out-of-pocket cost. Check to confirm that your providers and prescription drugs are covered prior to enrolling in a plan.

Medicare Part D

Part D is Medicare's prescription drug program. This coverage is obtained from a private insurance plan that conforms to Medicare guidelines. Part D covers both brand-name and generic prescription drugs utilizing a formulary (designated list of prescription drugs covered under the plan).

Prior to enrolling in a Part D plan, it is important to review the plan's formulary to ensure that your prescriptions are covered. Unless a doctor's appeal is approved by the Part D plan, you may have to pay the entire cost for non-formulary drugs.

Dental and Vision Insurance

Dental and vision insurance can help reduce out-of-pocket expenses. Click on the button below to learn more about Ameritas Dental and Vision coverage.

Individual and Family Health Insurance

No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses.

Term Life Insurance

Term life insurance coverage can be relatively easy to comparison shop. It simply covers you in the event that you die before the end of the term for which you are covered.

Medicare Education

Click here to watch a 5 part video series on all you need to know about Medicare.  My partner Ron Hunn will explain what is Medicare, When and How to Enroll, and your choices when it comes to chosing a plan.