Helping You Understand Medicare and Health Insurance with Confidence
Education first. Decisions second. No pressure. No surprises.
Medicare
Medicare supplements, drug plans, and Medicare Advantage
Medicare Supplement Insurance (Medigap)
Medicare Supplement plans work alongside Original Medicare to help cover many of the out-of-pocket costs that Medicare does not pay, such as deductibles and coinsurance.
With a Medigap plan, you can generally see any doctor nationwide who accepts Medicare, without network restrictions or referrals. These plans offer predictable costs, which many people appreciate as they age.
Prescription drug coverage is not included with Medigap plans and is added separately through a Part D plan.
Medigap is often chosen by individuals who value flexibility, stability, and simplicity in how their healthcare is covered.
Prescription Drug Plans (Part D)
Medicare Part D plans help cover the cost of outpatient prescription medications. These plans are offered by private insurance companies and vary in premiums, formularies (drug lists), and pharmacy networks.
Choosing the right Part D plan is especially important, as medications can change from year to year and costs can vary significantly between plans.
Even if you take few or no prescriptions today, enrolling at the right time helps avoid future late enrollment penalties.
Medicare Advantage (Part C)
Medicare Advantage plans are offered by private insurance companies approved by Medicare. These plans combine your Part A (hospital) and Part B (medical) coverage into one plan and often include additional benefits such as prescription drugs, dental, vision, hearing, and wellness programs.
These plans typically operate with provider networks and set copays for services, which means your out-of-pocket costs can vary depending on how often you use care.
Medicare Advantage can be a good fit for individuals who prefer an all-in-one plan and are comfortable with managed care and network-based coverage.
Health Insurance plan types
ACA/Obamacare/marketplace
ACA/Obamacare/marketplace
ACA/Obamacare/marketplace
Affordable Care Act (ACA) health plans, often called Marketplace plans, are designed for individuals and families under age 65 who do not have access to employer coverage or Medicare.
These plans provide comprehensive medical coverage, including doctor visits, hospital care, preventive services, prescriptions, and essential health benefits. Depending on household income, many people may qualify for premium tax credits that can significantly reduce monthly costs.
ACA plans are guaranteed issue, meaning coverage cannot be denied due to pre-existing conditions.
Because plan options, networks, and subsidies can change each year, it’s important to review coverage carefully to be sure the plan fits both your healthcare needs and your budget.
My role is to help you understand your options clearly, confirm eligibility, and choose coverage with confidence without confusion or pressure.
Short-Term Medical Plans
ACA/Obamacare/marketplace
ACA/Obamacare/marketplace
Short-term medical plans are temporary health insurance options designed to provide limited coverage for a specific period of time. These plans are typically used as a bridge when someone is between jobs, waiting for other coverage to begin, or experiencing a short gap in insurance.
Short-term plans are not ACA-compliant and do not include all essential health benefits. They often involve medical underwriting, meaning pre-existing conditions may not be covered, and benefits can vary significantly from plan to plan.
These plans generally offer lower monthly premiums, but they also come with limitations such as benefit caps, exclusions, and reduced coverage for preventive care, prescriptions, and ongoing conditions.
Because of these differences, short-term medical plans are not intended to replace comprehensive health insurance and are not suitable for everyone.
My role is to help you understand what short-term coverage does and does not provide, so you can decide whether it makes sense for your situation and avoid unexpected surprises later.
Private PPO Plans
ACA/Obamacare/marketplace
Private PPO Plans
Private PPO health plans are non-Marketplace coverage options offered outside of the Affordable Care Act (ACA). These plans are not government-sponsored and do not include income-based subsidies.
Unlike ACA plans, private PPO plans typically require medical underwriting, meaning eligibility is based on health history. Pre-existing conditions may be excluded or limited, depending on the plan.
These plans often provide access to nationwide PPO networks and may appeal to individuals who are generally healthy and do not qualify for ACA premium assistance.
Because benefits, exclusions, and participation requirements can vary widely, it’s important to fully understand how these plans work before enrolling.
Private PPO plans are not suitable for everyone and are best reviewed carefully to ensure expectations align with actual coverage.
My role is to help you understand how these plans differ from ACA coverage, review eligibility requirements, and determine whether a private PPO option makes sense for your individual situation.
Dental Insurance
Critical Illness/Accident/Cancer
Private PPO Plans
Dental insurance plans are designed to help with the cost of routine and preventive dental care, such as cleanings, exams, and X-rays, and may also offer coverage for basic and major services depending on the plan.
Coverage levels, waiting periods, annual maximums, and provider networks can vary widely. Many plans include limits on how much they will pay each year, and certain services may not be covered right away.
Because dental insurance works differently than medical insurance, understanding the details ahead of time can help prevent unexpected out-of-pocket costs.
Vision Insurance
Critical Illness/Accident/Cancer
Critical Illness/Accident/Cancer
Vision insurance plans are designed to help cover routine eye care, including eye exams, glasses, and contact lenses. These plans typically provide benefits on a scheduled basis, such as allowances or discounts, rather than traditional medical-style coverage.
Coverage amounts, provider networks, and benefit frequency can vary by plan, and most vision insurance is intended for routine care rather than treatment of medical eye conditions.
Understanding how vision benefits work ahead of time can help you choose a plan that fits your needs and avoids unexpected costs.
Critical Illness/Accident/Cancer
Critical Illness/Accident/Cancer
Critical Illness/Accident/Cancer
Critical Illness, Accident, and Cancer plans are supplemental insurance policies designed to provide added financial support if a serious or unexpected health event occurs.
These plans are not intended to replace major medical insurance. Instead, they pay benefits directly to you — often as a lump sum or scheduled payment — to help with out-of-pocket costs related to an illness or injury.
Depending on the plan, benefits may help cover expenses such as deductibles, copays, travel, household bills, or other costs that can arise during recovery.
Coverage, benefit amounts, and eligibility vary by plan, and some policies may include waiting periods or limitations.
These plans are often used alongside major medical coverage to help reduce the financial strain that can come with unexpected health events.
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