Also known as “MediGap”, this is private insurance that covers 100% of all costs that Original Medicare Parts A and B do not cover (“Gaps”). With MediGap there are typically no Co-Pays, Deductibles, Referrals or Network Restrictions. We offer MediGap Plans from Top-rated Carriers so we can help you choose the best plan for your needs and budget.
Medicare Advantage Plans, sold by private Insurance companies, are complete plans that “replace” your original Medicare Parts A and B. Typically they are HMO or PPO plans with co-pays and deductibles, as well as Dr. and hospital networks and referrals are usually needed.
Part ‘D’ Drug Plans:
Part ‘D’ Plans are prescription drug plans sold by private companies. Some Medicare Advantage plans have drug coverage built-in, but MediGap Plans do not, and a Part ‘D’ Plan is usually needed.
Since Medicare doesn’t offer routine dental benefits, a stand-alone policy is often desirable. We sell Dental Plans that offer several different levels of coverage.