Medicare  Supplement

Insurance

This plan covers the remaining 20% that Medicare Part A and B does not cover and many plans offer extra coverages beyond what Medicare covers

• This policy offers more flexibiliity and choices as they will cover as long as the provider accepts the original medicare.

• There are multple choices of plan levels

 

Access to top health insurance carrier such as:

•  Anthem Blue Cross

• Blue Shield

• HealthNet

• United Healthcare

• Aetna

• Kaiser Permenante

• California Choice

Medicare Part D

Insurance

The insurance protection you need when you’re on the move:

• Dental insurance for Individual, families, and businesses.

• Multiple carriers and plan types to meet all budgetary and coverage needs

•  

 

Medicare Advantage Insurance

Access to top dental insurance carrier such as:

•  Delta

• Nationwide

• Carington

• Renaissence

Sometimes called Part C.  This medicare insurance is used in place of Medicare card and most of the time, includes a drug plan.

• Major advantage of medicare Advantage plan is cost.  Medicare Advantage plans are plans that incorporates and in essense replaces the original medicare and medicare supplement and drug plan.  The member receives all part of the coverage for a much lower monthly premium. 

• The biggest disadvantage is that it acts more like an HMO where you have to go trhough your primary care physcian and stay within the network.

• Universal Life Insurance is a form of permanent life insurance characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums and death benefit can be reviewed and altered as a policyholder’s circumstances change.