My Services
I offer a range of services to ensure you’re fully protected. Say goodbye to high out-of-pocket costs and hello to peace of mind.
My Services
Hospital Plans
Home Health Plans
Cancer, Heart Attack, Stroke Plans
What I offer
Medicare Advantage Plans
Looking for comprehensive Medicare coverage? Look no further than Medicare Advantage plans! These plans offered by private companies provide all the benefits of Part A and Part B, and most even include prescription drug coverage. With a Medicare Advantage plan, your Medicare services are covered through the plan, eliminating the need for Original Medicare. Discover the peace of mind that comes with a Medicare Advantage plan and get the coverage you deserve.
Medicare Supplement Insurance Plans
Get the coverage you need with Medicare Supplement Insurance Plans. These plans are designed to fill the gaps in Original Medicare, helping to pay for the remaining healthcare costs that aren’t covered. Sold by private companies, Medicare Supplement Insurance Plans provide the peace of mind and financial protection you deserve. Don’t let medical expenses overwhelm you – explore the options available and find the perfect plan for your needs today.
Part D – Prescription Drug Plans
Looking for comprehensive prescription drug coverage? Look no further than Part D – Prescription Drug Plans. These plans offer a standard level of coverage set by Medicare, ensuring you have access to the medications you need. With Part D plans, you have the flexibility to choose from a variety of prescription drugs covered by each plan’s formulary. Don’t let high medication costs burden you – explore your options and find the perfect plan for your needs today.
Hospital Plans
Depending on the state you live in and the insurance carrier some insurance plans may be available to help cover out-of-pocket expenses for hospital care and fill all or some of the gap in most Medicare Advantage Plans. Many hospital plans are indemnity type plans, meaning they pay the insured directly, regardless of other insurance coverage. Health questions may be included to determine eligibility.
Home Health Plans
Insurance plans, often referred to as short-term home health care coverage, may be available in your area to help cover the costs of deductibles and co-payments for home health care services provided by a Licensed Health Care Practitioner. In many cases, benefits are paid directly to the insured, regardless of any other insurance you many have.
Cancer, Heart Attack, Stroke Plans
Original Medicare and Medicare Advantage Plans pay part of cancer treatments. Other cancer insurance plans are built to pay a lump-sum benefit to help pay coinsurance and co-payments often accompanying cancer treatments. Plans may also be available in your state to cover advanced screening. Qualification includes pre-existing condition look-backs. Contact us for details of these plans and availability in your state.
Insurance may be available in your state to help cover co-payments and/or coinsurance for on-going doctor, clinic and hospital visits after suffering a heart attack or stroke. Most plans pay a one lump sum benefit regardless of any other insurance benefits.
Dental, Vision, Hearing Plans
Original Medicare does not cover normal dental, vision or hearing costs. Some Medicare Advantage Plans may offer some coverage to these costs. Insurance and discount plans are available through private insurance companies to help cover these costs. These companies determine what the plans will cover, if there will be a deductible or co-pay, and how much the premiums will be. Some plans may exclude some pre-existing conditions.
Burial & Final Expense Plans
Burial or cremation and other final expense costs are not covered by Original Medicare or Medicare Advantage Plans. Some private life insurance companies offer coverage for this need. Some plans’ qualifications may include health questions to determine eligibility or premium.
Frequently Asked Questions
What is a Medicare Advantage Plan?
Medicare Advantage Plan, also known as Part C, is a Medicare Plan run by private insurance companies. A Medicare Advantage Plan offers all of the benefits covered under Original Medicare and more. Medicare pays a fixed fee to the plan you choose in accordance with the 2003 Medicare Prescription Drug, Improvement, and Modernization Act. It covers all of the benefits covered under original medicare and more, like Dental, Hearing and Vision.
Where can I get help paying for Medicare?
Financial assistance programs for people with limited income and assets include:
Extra Help is a program to help people with limited income and resources pay Medicare prescription drug program costs, like premiums, deductibles, and coinsurance. If you get Extra Help but you’re not sure if you’re paying the right amount, call your drug plan. Your plan may ask you to give information to help them check the level of Extra Help you should get.
Medicaid is a joint federal and state program that:
- Helps with medical costs for some people with limited income and resources
- Offers benefits not normally covered by Medicare, like nursing home care and personal care services
In some cases, Medicare Savings Programs may also pay Medicare Part A and Medicare Part B deductibles, coinsurance, and copayments if you meet certain conditions.
Programs of All-Inclusive Care for the Elderly (PACE) is a Medicare and Medicaid program that helps people meet their health care needs in the community instead of going to a nursing home or other care facility. With PACE, you have a team of health care professionals working with you and your family to make sure you get the coordinated care you need. Usually they care for a small number of people, so they really get to know you. When you enroll in PACE, you may be required to use a PACE-preferred doctor.
What is the difference between Medicare & Medicaid?
Medicare and Medicaid are both government health care programs but they are very different. Medicare is generally for people who are older or disabled. Medicaid is for people with limited income and resources. When a person qualifies for both programs out-of-pocket costs can be minimal.
I'm disabled - when can I get Medicare?
You automatically get Part A and Part B after you get one of these:
- Disability benefits from Social Security for 24 months
- Certain disability benefits from the RRB for 24 months
You don’t need to sign up if you automatically get Part A and Part B. You’ll get your red, white, and blue Medicare card in the mail 3 months before your 25th month of disability.
When you decide how to get your Medicare coverage, you might choose:
- A
There are specific times when you can sign up for these plans, or make changes to coverage you already have.
Have another question?
Get Started
Get started with Medicare and embark on a journey to secure your health and well-being. Contact me today for a complimentary consultation and let’s begin your Medicare journey together.
801- 455-3932
Calling the number above will direct you to a licensed insurance agent
colin@retirementhealthservices.com
Licensed in Utah, Arizona, California, Florida, Idaho, Kansas, Nevada, North Carolina, South Carolina, Texas, Tennessee
