How can we help you?

Pre-need insurance is typically used to cover funeral expenses and related services. This is a type of life insurance policy designed specifically for end-of-life costs such as funerals, burials, and other associated costs. It ensures that your loved ones are not burdened with these expenses after you pass away. Pre-need typically involves a contract with a specific funeral home, generally locking in current prices for specific services, whereas final expense insurance provides a lump-sum benefit that can be used flexibly, including for funeral expenses or other final costs.

Medicare Advantage, also known as Part C, is an alternative to traditional Medicare (Part A and Part B). It is offered by private insurance companies approved by Medicare and often includes additional benefits like prescription drugs, dental, vision, and hearing coverage, which are not covered by Original Medicare. These plans often come with lower out-of-pocket costs but may require you to use a network of doctors and hospitals.

The Prescription Drug Plan (PDP) is Medicare Part D, a standalone prescription drug coverage plan that can be added to Original Medicare (Part A and Part B). This plan helps cover the cost of medications, and each plan varies in terms of the list of covered drugs (formulary), premiums, and deductibles.

Most Medicare Advantage plans include a Prescription Drug Plan. If you have a Medicare Supplement Plan, it is important to also have a Prescription Drug Plan to avoid late enrollment penalties.

A Medicare Supplement (Medigap) insurance policy is a supplemental health insurance plan that can help cover the out-of-pocket costs that Original Medicare (Parts A and B) doesn’t cover. It’s a private insurance policy that you purchase to supplement your Original Medicare coverage. Medicare Beneficiaries with a Medicare Supplement plan pay an additional monthly premium on top of the Part B premium Medicare Beneficiaries pay. Medicare Supplement policy holders must also purchase a stand-alone Prescription Drug Plan, and if dental, vision and hearing benefits are desired, separate policies are purchased for those as well.

Medicare Supplement plans are great options for those who frequently travel domestically, or split their time between 2 homes. This is because there is no network–if you have a Medicare Supplement policy, you can see any Medicare appointed doctor or provider in the country without referrals.

Original Medicare typically does not cover routine dental, vision, or hearing services. Many Medicare Advantage plans offer these benefits, but they may come with additional premiums or out-of-pocket costs. Alternatively, standalone plans are available for those who need coverage with their Medicare Supplement plan.

Several assistance programs are available for Medicare beneficiaries to help reduce healthcare costs. One of the most notable is Extra Help, a program that helps lower-income individuals pay for Medicare Part D prescription drug costs. The program can cover premiums, deductibles, and copayments for prescription drugs.